Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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Getting life insurance with a past heart condition is very possible, but you’re going to need some assistance. Depending on the severity of your past heart condition, there are several top rated life insurance companies that will approve you for both term life insurance as well as permanent life insurance coverage.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Underwriting Life Insurance with a Past Heart Condition

When you apply for any traditional term life insurance or a permanent life insurance policy you are required to provide details to your health history. This process is what is known as the life insurance medical exam or paramedical exam. The medical exam is what is used by the underwriter to help them determine your overall risk to the company. If approved, you will be given a final rating otherwise known as the “health classification”.

There are several determining factors that the underwriter will consider when determining a health classification with a heart condition.

  • The type of heart condition
  • Severity of the heart condition 
  • Age when the heart condition occurred
  • How long ago when the heart condition occurred
  • Has there been any re-occurrence of heart condition 
  • Have you been to all your doctor follow ups
  • Have you had good EKG’s and other cardiovascular follow ups
  • Do any other family members have a heart condition
  • Do you have any additional illnesses in addition to the prior heart condition
  • Are you living a healthy lifestyle

Your approved health classification is the biggest factor that determines what you will pay for the life insurance coverage. Life insurance companies view and underwrite all health conditions differently especially when it comes to heart conditions. Applying with the life insurance company that will approve you for the best health classification, based on your heart condition, will require working with an experienced agent that can shop your life insurance coverage with multiple life insurance companies for the best price.

Shopping for life insurance doesn’t mean applying with several companies at once. What we do at Top Quote Life Insurance is ask for you to provide us with as many details, to your health and prior health conditions, as you can provide. We then use these details to match you with the life insurance company that will offer you the best health classification and price.

  

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Life Insurance Quote with a Past Heart Condition

Although we highly recommend working with a licensed Top Quote Life Insurance agent when involving life insurance quotes with past heart conditions, we can provide you with a general idea of what risk classification you could possibly qualify for. Remember, several factors come into play when applying for life insurance especially with a heart condition. Almost all life insurance with a past heart conditions will not qualify for the Preferred health classification even with good follow ups.

The following list of heart conditions could possibly qualify for the following health classifications. Table rated health classifications are often considered high risk. Each letter grade is an additional 25% charge of the standard health classification.

EXAMPLE:

Table 1/A = 25%
Table 2/B = 50%
Table 3/C = 75%
Table 4/D = 100%
Table 5/E = 125%
Table 6/F = 150%
Table 7/G = 175%
Table 8/H = 200%

Standard health classifications are available for instant life insurance quotes.

  

Angina

  • Less than 6 months after angioplasty application will be postponed
  • If under the age of 40, application will be declined
  • Ages 40-45 could possibly qualify for Table F to possible decline
  • Ages 46-59 could possibly qualify for Table D to possible decline
  • Age 60+ could possibly qualify for Table B to possible decline

  

Atrial Fibrillation

  • If short duration and no heart disease, could possibly qualify for Standard to Table C
  • If chronic or several episodes, could possibly qualify for Table B to possible decline

  

Bundle Branch Block (Right)

  • If no coronary artery disease, could possibly qualify for Standard to Table C

 

Bundle Branch Block (Left)

  • If 1 year after onset, could possibly qualify for Table D to possible decline

 

Cardiomyopathy

  • Cardiomyopathy ranges from Table A to possible Decline

Some companies will postpone if diagnosed less than 3 years.

 

Congestive Heart Failure

  • If less than 1 year since complete recover, application will be postponed
  • If complete recovery and no has been more than 1 year, could possibly qualify for table C to possible decline
  • If chronic, application will be declined

 

Coronary Artery Disease

  • Less than 3 months after bypass surgery, application will be postponed
  • If under the age of 40, application will be declined
  • Ages 40-45 could possibly qualify for Table F to possible decline
  • Ages 46-59 could possibly qualify for Table D to possible decline
  • Age 60+ could possibly qualify for Table B to possible decline

 

Past Heart Attack

  • If under the age of 40, application will be declined
  • Ages 40-45 could possibly qualify for Table F to possible decline
  • Ages 46-59 could possibly qualify for Table D to possible decline
  • Age 60+ could possibly qualify for Table B to possible decline

 

Bypass Heart Surgery

  • Less than 3 months after bypass surgery, application will be postponed
  • If under the age of 40, application will be declined
  • Ages 40-45 could possibly qualify for Table F to possible decline
  • Ages 46-59 could possibly qualify for Table D to possible decline
  • Age 60+ could possibly qualify for Table B to possible decline

 

Heart Valve Replacement

  • If less than 6 months since surgery, application will be postponed
  • If after 6 months since surgery with no complications, could possibly qualify for Table D to possible decline

 

Heart Valve Surgery

  • If less than 6 months since surgery, application will be postponed
  • If after 6 months since surgery with no complications, could possibly qualify for Standard to possible decline

 

Mitral Valve Prolapse

  • Mild cases could possibly qualify for Standard to Table B
  • Moderate cases could possibly qualify for Table B-D
  • Moderate to Severe could possibly qualify for Table D to possible decline
  • Preferred is possible with normal appearing mitral valve, and normal echocardiogram and no regurgitation

 

Mitral Stenosis

  • If mild, could possibly qualify for Standard to Table F
  • If moderate, could possibly qualify for Table B to possible decline
  • If moderate to severe, could possibly qualify for Table D to possible decline

 

Myocarditis

  • If diagnosed less than 2 year, application will be postponed
  • If diagnosed more than 2 years and fully recovered, could possibly qualify for Standard to Table 2

 

Pericarditis

  • If one episode could possibly qualify for Standard

 

Peripheral Vascular Disease

  • Could possibly qualify for Table B-D

 

Past Stroke / Transient Ischemic Attack (TIA)

  • If less than 1 year since occurrence, application will be postponed
  • If more than 1 year since occurrence, could possibly qualify for Table D to possible decline
  • If multiple occurrences application will be declined

 

Life Insurance for Uninsurable Heart Conditions

Unfortunately there may be circumstances in which some heart conditions do not qualify for life insurance coverage.

EXAMPLES:

  • Heart Defibrillator
  • Diabetes with Heart Disease
  • Heart Disease with Tobacco Use
  • Heart Disease with Stroke
  • Heart Disease with Excessive Alcohol Use
  • Heart Disease and Obesity

If you find yourself in this situation you may still have options to obtain life insurance coverage.

Guaranteed Issue Life Insurance: If you are between the ages of 50-80 you can qualify for a guaranteed issue life insurance policy. Guaranteed issue life insurance does not require any medical questions or medical exams. You cannot be declined for coverage regardless of your health. The problem with guaranteed issue life insurance is that the death benefit is generally limited to $25,000. If you die within the first 2 years, your beneficiary will only receive all premiums paid into the coverage, plus interest which is usually 10%. If death occurs after the 2nd year, the full death benefit will be paid to your beneficiary.

Term Life Insurance Conversion: If you currently have an active term life insurance policy, you may have the option to exercise your term life insurance conversion privilege. A conversion allows you to convert your current term life insurance policy into a permanent life insurance policy without the proof of insurability. Conversions have age limitations so it’s important that you know the guidelines if you have this feature available with your current term life policy. If you are unsure if your current policy has a guaranteed conversion privilege, contact us and we can check for you.

 

Life Insurance with a Past Heart Condition…Let us help

The Centers for Disease Control and Prevention (CDC) reports that heart disease is the leading cause of deaths in the United States. More than 610,000 Americans die of heart disease each year. If you have a prior heart condition and have taken the steps to live a healthy life style there may be a very good chance of getting affordable life insurance with a past heart condition.

Let us help. Top Quote Life Insurance can help you obtain your life insurance quote with a past heart condition. Send us the following information and we will get started on your request.

  • Date of birth
  • Type of heart condition
  • Date of diagnosis
  • Did you require surgery, angioplasty, cardiac catheterization, stent or any other procedure?
  • Have you had any symptoms since surgery?
  • Current medications
  • Height & weight
  • Amount of life insurance needed
  • Length of coverage

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.