If you want more than $30,000 of coverage, whether you qualify for that amount of life insurance will usually depend on the age at which you had your open heart surgery, how many vessels were involved, whether there were any blockages later, and how your stress tests results are now. In addition, your age and how long ago you had your operation may factor into the approval process.
If you smoke or have other health conditions, such as diabetes, you most likely will be declined for this type of medically underwritten life insurance policy. But if you were at an older age when you had your heart surgery, it was effective and not too extensive, there is a good chance that you can get the amount of life insurance coverage you want.
If you have been turned down for life insurance you may want to consider a guaranteed approval life insurance plan.