Angioplasty Insurance Questions & Answers

How do life insurance underwriters view individuals who have had Angioplasty?

The chances of getting life insurance for people with Angioplasty ranges from very good to being more of a challenge. If a person is seeking a standard life insurance policy they will most likely be required to take a medical exam. The underwriter will also want to obtain more details about an individual’s medical history before they determine how a person will be rated and the cost of the premium.

The best case scenario would be where the person had undergone the angioplasty procedure at least 2 years or more ago. The reason is due to the less likelihood of encountering complications resulting from the procedure such as a heart attack, infections, swelling or bleeding.

Underwriters will also want to know whether there is any plaque or cholesterol buildup in the afflicted artery or other arteries. Specific information required for finding life insurance for people with angioplasty, and which would be of interest to an underwriter include the following:

• Whether the surgical procedure occurred 2 years or more
• Whether there were any complications resulting from the procedure
• Any history of heart attack
• What medications the person is taking
• Has the person taken any recent diagnostic tests such as a cardiac imagery or medical check-ups in the past 6 months or more
• If there is any other risk or lifestyle factors is currently affecting the person’s health

What is an Angioplasty?

An Angioplasty is a medical procedure which is used to either widen or open arteries to facilitate blood flow using a mechanical stent. A stent is used to widen the arteries which have become clogged or narrowed because of the build-up of plaque, often as result of high cholesterol.

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The condition can occur in individuals as early in their twenties but is more common in middle aged or older individuals. It is also referred to as atherosclerosis or more simply as coronary heart disease.

Atherosclerosis commonly involves the coronary arteries, cerebral arteries, peripheral arteries, carotid arteries and the renal arteries. The disease can be treatable and can be furthered managed with medication and lifestyle changes such as improving one’s diet, quitting smoking and regular exercise.

Coronary heart disease can result in a heart attack and may be evidence of a more chronic condition. Complications resulting from an angioplasty can be a subsequent heart attack, infection or bleeding.

Finding life Insurance with an Angioplasty

Finding a life insurance policy for people with Angioplasty can be relatively easy or more of a challenge to others depending on the life insurance company and their qualification requirements. Those individuals who have had the procedure 2 years or more ago with no complications or health issues will find that most companies will provide you with a reasonable rating and relatively inexpensive premium

Most insurance companies vary in how they qualify and rate individuals. The life insurance applicant should be aware that how a company rates a person and the premium charged can vary significantly from company to company regardless of the degree of the condition.