Yes, you may be able to qualify to purchase a life insurance policy if you have heart disease.
However, it is very important to share all of the specifics about your health issues and conditions with the life insurance company when you apply for coverage, so that the insurance company understands how best to provide you with coverage and the proper rate for your life insurance policy.
Your diagnosis, date of diagnosis, type of prescriptions you take, when you had any medical procedures or operations, number of times you have had procedures done, and how your health is currently, all factor into what life insurance policy you can get, and what rate you will pay for your life insurance coverage.
The premium you pay may vary quite a bit between insurers, depending on your health condition and the details about your health.
However, if you gather all your medical information and openly share it with an independent life insurance agent experienced in placing life insurance for people with heart disease, you may find the best rate and plan.
Also, heart disease is one of those health conditions that may present a lower risk as the years go by and there are no repeat future events.
If you were diagnosed with a heart condition before age 40, going several years with no repeat heart-related events may not matter that much.
But if you are over age 45 when you had your first heart attack, stent, pacemaker, etc, going 5 or years without a recurrence could enable you to replace your life insurance policy and get a lower rate down the road, if your health has improved.
Here's how you can learn more about life insurance for high risk people and find the most affordable life insurance plan.
However, it is very important to share all of the specifics about your health issues and conditions with the life insurance company when you apply for coverage, so that the insurance company understands how best to provide you with coverage and the proper rate for your life insurance policy.
Your diagnosis, date of diagnosis, type of prescriptions you take, when you had any medical procedures or operations, number of times you have had procedures done, and how your health is currently, all factor into what life insurance policy you can get, and what rate you will pay for your life insurance coverage.
The premium you pay may vary quite a bit between insurers, depending on your health condition and the details about your health.
However, if you gather all your medical information and openly share it with an independent life insurance agent experienced in placing life insurance for people with heart disease, you may find the best rate and plan.
Also, heart disease is one of those health conditions that may present a lower risk as the years go by and there are no repeat future events.
If you were diagnosed with a heart condition before age 40, going several years with no repeat heart-related events may not matter that much.
But if you are over age 45 when you had your first heart attack, stent, pacemaker, etc, going 5 or years without a recurrence could enable you to replace your life insurance policy and get a lower rate down the road, if your health has improved.
Here's how you can learn more about life insurance for high risk people and find the most affordable life insurance plan.
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