If you’ve recently had a heart attack and are now wanting to buy a life insurance policy, we can help. We specialize in helping those suffering from heart disease get the widest range of choices in life insurance policies.
Coronary heart disease, ischemic heart disease, stroke, or even myocardial infarction should not prevent you from getting a life insurance policy, nor will you automatically have to pay excessively large insurance premiums. While having a heart attack will likely disqualify you from getting the very best rates, you might be able to qualify for the second-best level called “standard” as opposed to “‘preferred”.
If you’ve taken steps to treat your heart disease, and your condition is not too severe, you might be able to get surprisingly affordable quotes for insurance. Heart disease or not, you must protect family.
What can you do to ensure that you get the lowest rates possible for your policy? Here are a few tips:
1) Wait awhile. You may be able to save some money if you wait a year or two after having a heart attack because the longer you can demonstrate that you are taking care of yourself (good electrocardiogram readings, and low cholesterol), the less risk you will have of another heart attack.
2) Continue your treatment. While you’re waiting, you should be working to improve your health. Make dietary changes, exercise, and take the medications prescribed by your physician to keep your blood pressure under control.
3) Document your treatment and lifestyle changes. When you apply for insurance, provide documentation for everything you’ve been doing to improve your health.
You’re not alone
The latest statistics from the American Heart Association show that 5.7 million men and women suffer heart failure every year. The life insurance industry wants to serve your needs, and will do so with reasonable rates if you are working to make improvements to your health.
The statistics for living long after a heart attack are encouraging. In 1995, 14 percent of heart attack patients died in the hospital, compared to 10 percent in 2006.
Find an agent who specializes in life insurance for heart disease
We are able to offer find life insurance policies for a majority of the people that come to us with history of heart disease. Medical underwriting criteria vary greatly among life insurance companies, so comparison shopping is crucial for finding good rates.
Let Jeff Pennington help you put together an insurance program that’s right for you. Call him today at 1-877-221-6198 to discuss your needs and get a selection of life insurance quotes for your situation. Jeff can answer all of your insurance questions and will provide friendly personal advice.