Independent General Agent, April Johnson, California
Life insurance is generally available to most people. Preconditions, including heart problems, don't necessarily preclude someone from being insurable. First, you must understand that the issuance of life insurance is primarily dependent upon one's medical condition. So although you may be limited by the amount of coverage you can obtain you should still be eligible as long as your condition is being treated and you haven't been told by your physician that "death is imminent within the next 12 months". Second, you have to seek out insurers, like myself, who are more flexible with their insurance offerings. For instance, insurer's such as myself can often issue a policy without a medical exam.
In order to get life insurance after heart surgery, you will usually need to wait at least a year (unless you are buying guaranteed issued life insurance, which can be issued right away but will have a graded period of at least two years before it pays 100%). Once a year or two is passed, you can get simplified issue life insurance in most states. These may or may not be graded and do have a fairly low minimum face amount (usually $50,000 or less).
If your heart surgery was a one time event, if you did not have a heart attack (or the heart attack was mild), you now follow a heart healthy lifestyle, and if enough time has passed without event that you have been able to go off blood thinners, you should be able to get a medically underwritten policy. Even if not all these conditions are met, you may be able to get a medically underwritten policy with a "flat extra" for some years.
Contact an impaired risk agency who understands life insurance for those with a history of heart disease to get your most affordable rate.
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If your heart surgery was a one time event, if you did not have a heart attack (or the heart attack was mild), you now follow a heart healthy lifestyle, and if enough time has passed without event that you have been able to go off blood thinners, you should be able to get a medically underwritten policy. Even if not all these conditions are met, you may be able to get a medically underwritten policy with a "flat extra" for some years.
Contact an impaired risk agency who understands life insurance for those with a history of heart disease to get your most affordable rate.