Getting life insurance after heart bypass surgery is easier than most people think. According to Healthline, as “with any ‘open heart’ surgery, heart bypass surgery does carry significant risks. However, recent technology advancements have helped improve the procedure, making the likelihood of success much higher.” Whether you have had heart bypass surgery or suffer from other form of high risk complication such as depression or sleep apnea, do not allow them to keep you from obtaining the life insurance coverage that you and your family deserve. We are here to help you!
Coronary bypass surgery comes with some serious risks, but according to WebMD once “you’ve recovered, your symptoms of angina (chest pain) will be gone or much better. You’ll be able to be more active, and you’ll have a lower risk of getting a heart attack. Best of all, the surgery can add years to your life.”
Life insurance companies take heart disease very seriously and will be cautious regarding the factors that have led to your bypass surgery, such as:
- smoking history
- high cholesterol and/or blood pressure
- over weight
- history of heart disease in your family
- a sedentary life
The presence of these factors will affect the success of your surgery. Often in combination, they can indicate an unhealthy lifestyle. Changes you have made to your lifestyle to correct or mitigate these factors will also affect the success of your surgery.
Life insurance companies are trying to determine the risk of insuring your life. Anything you are doing to extend your life will reduce your risk. Your efforts to improve your health can lower your life insurance premium and save you thousands of dollars.
Your attention to your overall health and strict adherence to your doctor’s recommendations after your bypass surgery will absolutely have an impact on the premium that you pay. Your physician will prescribe a regimen of exercise, diet and medication, which will be your path to better health.
Life insurance after heart bypass surgery
Medicine Net has this to say about your heart bypass post-surgery behavior. “Exercise stress testing is routinely done four to six weeks after CABG surgery and signals the beginning of a cardiac rehabilitation program. Rehabilitation consists of a 12 week program of gradually increasing monitored exercise lasting one hour three times a week. Patients are also counseled about the importance of lifestyle changes to lower their chance of developing further CAD. These include stopping smoking, reducing weight and dietary fat, controlling blood pressure and diabetes, and lowering blood cholesterol levels.”
Following this type of regimen is mandatory. If you do, life insurance approval will be much easier and your premiums will be much lower.
In “Thirty-three years after bypass surgery: a heart patient’s perspective” from the US National Library of Medicine, the person in the article listed the following keys to long life after heart bypass surgery:
eat healthy food, but not too much of it
have a positive attitude
Fine advice from a 33-year heart bypass survivor.
As in the case of most surgeries, life insurance immediately after bypass surgery can be difficult and expensive. Many insurers require a six month waiting period before they will approve your policy.
If you are in this situation and must have life insurance immediately, Ogletree Financial Services can help. We will work to get a policy in place now with a plan to renegotiate your insurance after the waiting period has passed.
The more time that has passed after your bypass surgery the more likely it is that you will be approved. Of course, your attention to your recovery will also weigh heavily on your likelihood of qualifying for an affordable life insurance policy.
When considering your overall health, lIfe insurance companies will not be interested only in your heart bypass surgery. You can expect life insurance companies to have a few key concerns:
- Your age. Generally, the later in life you decide to get life insurance, the more expensive it will be. Life insurance is a priority and getting a policy in place now is important.
- How much time has passed since you had bypass surgery? This is always a primary consideration following any serious surgical procedure.
- The number of blood vessels that were bypassed. If more vessels need to be bypassed then a more serious condition exists and a more complicated surgery is required.
- The measured success of the surgery. This is super important. To receive the lowest premium possible, a carrier will want to be sure you are on the road to recovery. A record of doctor visits and positive results from lab tests and stress tests will weigh heavily in favor of the success of your life insurance application.
- Other health risks. If you have any other health conditions in addition to your heart problem, your risk rating could be affected.
At Ogletree Financial Services we get affordable life insurance for clients who have had heart bypass surgery every day. We know how to present a detailed analysis of your medical condition to the right insurers and get the life insurance policy you and your family need at the lowest premium available. You can rely on our expertise and experience.
Getting started is easy! Call the professionals at Ogletree Financial Services at 1-800-712-8519 or complete the short form on the left of the page.