Life insurance is an incredible safety net that you can buy for your family, but there are dozens of different factors that the insurance company is going to look at when you apply for coverage. Getting the perfect plan can be a long and frustrating process, especially if you have any severe health complications, like heart disease.
If you have been diagnosed with a heart condition or have even had a heart attack, your life is going to be different. We can help you find life insurance after heart disease at a reasonable price. It will come as no surprise to you that you might have to make some lifestyle changes, such as exercising more or making healthier choices when you eat. In the early stages of your diagnosis, you might even wonder how your heart condition might affect your future and the future of your family. Will you even be able to get life insurance? If so, will it be financially feasible? The short answer is yes. A heart condition will definitely change things for you, but your peace of mind about providing for your family’s future does not have to be one of them.
Finding Life Insurance After Heart Disease
Of course, reducing the stress in your life is essential after suffering a heart condition. We can help you lessen your stress by navigating the minefield of securing life insurance for you. Every underwriter of insurance uses different guidelines when underwriting policies and some can definitely offer you a better rate than others, especially after experiencing a heart problem. Your personal history is the key. We can help you explore the different options available, assuring you get the best possible coverage and the very best rates.
Obviously, one of the first things that we will want to know is the amount of time since your heart attack or related surgery or diagnosis. The longer you have a proven track record of being healthy the better your chances for favorable rates will be. The same holds true for the number of episodes you have had. Your family history, something you cannot control, will also be important when securing the best rate. Keep accurate records and be prepared to share them if asked.
We will want to be able to build a case that proves you are a good candidate for life insurance. Bearing that in mind, remember that it is important to show that you are doing everything possible to prevent future problems. Document the positive steps you are taking by supplying us with EKG reports, medications taken, and lifestyle changes. Now is definitely the time to brag about eating healthier, quitting smoking and exercising!
Here are some other tips to remember when purchasing life insurance after a heart attack or diagnosis of a heart condition:
- Document everything. We will need to know the date and time of the events as well as what led up to it. Be open about procedures and the outcomes.
- Be honest. It is best to be up front from the beginning so we can get you the best possible coverage and the best rates.
- Have your doctor write a letter on your behalf. Nobody knows your heart history better and nobody else can advocate for you quite like your doctor can.
- Have you quit smoking or lost weight? Let us know. Any programs you have completed that help you on your way to better health are important – both to you and us!
Heart disease is the number one cause of death in the United States, but there are ways to reduce your risk for future problems. The American Heart Association has numerous suggestions for preventing heart disease and staying healthy:
Quit Smoking – while this can be daunting it is far easier to quit smoking than it is to recover from a heart attack. If you’re listed as a smoker on your life insurance application, you can expect to pay twice as much for your coverage versus what a non-smoker is going to pay.
Make Good Nutrition A Priority – the food you choose (and also the amount!) can directly impact risk factors such as diabetes, cholesterol and blood pressure. The AHA recommends eating a diet that is rich in fruits, vegetables and whole grains.
Get Active – research shows that being physically active every day can lower blood pressure, lower cholesterol and keep your weight in a healthy range.
Keep Cholesterol And Blood Pressure In Check – talk to your doctor about these. Sometimes diet and exercise are not enough and medication could be the key.
Maintain A Healthy Weight – being overweight puts you at risk for a host of problems including insulin resistance, high cholesterol and high blood pressure.
Reduce Stress – lowering stress can have a positive impact on your heart healthy lifestyle. Not sure how to lower stress? Try meditation, taking long walks or even a yoga class.
Limit Alcohol – overindulging with alcohol can lead to a wide variety of problems. If you do drink the AHA recommends that men consume no more than two drinks per day. Women should limit their alcohol intake to one drink per day.
It’s important that you get the insurance protection that your family needs, at an affordable price. Your life insurance policy shouldn’t break your bank, and these are the ways that you can ensure that you’re getting the best rates available.
The best way to ensure that you’re getting the lowest insurance rates is to compare quotes from dozens of life insurance companies before you pick the one that works best for you and your needs. There are dozens and dozens of insurance companies on the market, which means that you could spend weeks calling all of those companies to receive quotes. Instead, you can let us do all of the work for you.
Unlike a traditional insurance agent, our agents represent dozens of highly-rated companies across the nation. We can bring policies from all of the companies that we work with instantly. Our agents have years of experience working with dozens of applicants that have heart disease and other pre-existing health conditions. These high-risk applicants could end up being declined for life insurance if they tried to find the best plan on their own.
Aside from ensuring that you have life insurance coverage, it’s vital that you buy a plan that is going to be large enough to give your family the protection that they need. There are several different factors that you’ll need to account for when you’re calculating your life insurance needs.
The first thing that you should look at is your debts and final expenses. The primary goal of your life insurance plan is to give your loved ones the money that they need to pay off any bills that they would be responsible for if something tragic were to happen to you. Be sure that your life insurance plan is large enough to pay off your mortgage, student loans, and every other final expense that your family would have to pay off.
The secondary goal of your life insurance plan it to give your loved ones the money that they need to replace your paycheck if you were to pass away. If you’re one of the main income earners in your house, your family would suffer financially if something were to happen to you. Your life insurance will give them the money that they need without having to sacrifice their standard of living.
There are several other factors that you’ll need to consider when determining your life insurance needs. It’s vital that you give your family the life insurance protection that they need. Our agents can help walk you through the calculation process and ensure that you have the life insurance that you need.
We know that finding the perfect life insurance plan can be a long and difficult process. There are dozens of different kinds that you can choose from, as well as thousands of companies, but we can make the process as quick and simple as possible. Our independent insurance agents represent dozens of highly rated companies across the nation and we can bring all of the best rates directly to you.
Your time is valuable, you shouldn’t waste it talking on the phone to all of the insurance companies. Instead, let us do all of the work for you. We can save you both time and money on your life insurance policy.
You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer. Contact one of our agents and we can get the process started.
Shopping for life insurance following a heart-related diagnosis can seem daunting but we can help make it easier. With today’s numerous medical advances and opportunities for an improved healthy lifestyle, more people with heart conditions can get life insurance than ever. Remember to keep an open mind and let us help. The right policy for you is out there. You can reach us by calling 1-800-712-8519. You can also get a ballpark rate by using the quote calculator to the left of this page.