Having stent surgery can change your life. But the question is, can you get life insurance once you go through such a surgery? Some suggest that your premiums will be high. Others say that getting life insurance with stents is not possible. Your friend Bernard who had stent surgery has already been turned down twice. Who is right?
Let’s answer this right off the bat, you can indeed qualify for life insurance if you have had stent surgery. It all comes down to the insurance provider that you work with. Our friend who has been turned down twice has been talking to the wrong insurance carriers.
There are insurers who will offer affordable rates to clients who have had stent surgery. We know who they are. We also know that companies that will cover other high risk complications such as life insurance with anxiety or life insurance with sleep apnea. As an independent life insurance agency, Ogletree Financial Services looks at over 30 respected life insurance companies to help you obtain the life insurance your family needs at the very best rate available.
Getting started is easy! Use the free quote application on this page or call 1-800-712-8519.
Life Insurance With Stents
The stent itself is a small mesh tube which is placed in the weak sections of the artery. The tube is generally created out of fabric or metal and it allows a much better blood flow as well as artery support. There are medicated stints too, which release medicine into the blood and to the artery.
Stents are placed via a surgical process with some serious risks and life insurance companies will be want to be sure of the success of your operation and your dedication to your recovery.
Any type of heart disease will concern life insurance companies, who will generally postpone approval of your application until six months have passed since your surgery. This is a common practice for insurers, who want to be sure of the outcome of your procedure. Once this time has passed, getting affordable life insurance is usually not a problem.
If you must get a policy in effect during this six month period, Ogletree Financial Services can help. Often in these cases a higher premium policy is initially put into place. Later, with a positive health prognosis, your policy can be renegotiated with a lower premium.
There are a few things which may affect your life insurance premium if you have had stents.
- How many stents have you had installed? The more stents you have had installed, the higher your life insurance costs tend to be.
If you just had a single stent installed and no other events are related to it, then you will most likely be able to get a standard life insurance rate with most carriers. If there are other health events that are connected to your stent surgery, this could impact your life insurance premium.
Unfortunately, if you have had more than a single stent installed or if you had a heart attack that led to stent surgery, then finding inexpensive life insurance can be more difficult. You will be considered a “sub-standard” risk and in some cases insurance carriers will decline your application.
This is when having a respected and experienced independent agent like Ogletree Financial Services in your corner is most important.
Finding the right carrier for you in the life insurance marketplace can be a tall task. If you have had surgery on your heart this task becomes taller. Let our expertise and experience lead the way to affordable life insurance for you and your family.
- If your stent surgery was triggered by an event such as a stroke or a heart attack, some insurers may decline your application. We know which carriers to turn to when this is the case. Ogletree Financial Services can get you insured.
- Also very important is your ejection fraction. This is basically a measurement of how much blood is pumped from your heart with each beat. Your ejection fraction is an important measure of your heart’s function.
The Mayo Clinic has this to say about ejection fraction: “An LV ejection fraction of 55 percent or higher is considered normal. An LV ejection fraction of 50 percent or lower is considered reduced. Experts vary in their opinions about an ejection fraction between 50 and 55 percent, and some would consider this a “borderline” range … The left ventricle is the heart’s main pumping chamber that pumps oxygenated blood through the ascending (upward) aorta to the rest of the body, so ejection fraction is usually measured only in the left ventricle (LV).”
- You will need to share a list of medications you are taking as well. Some medications with more serious side effects are considered risk-bearing.
- What lifestyle changes have you made? Are you living your life like someone who wants to be healthy and live for a long time? This is the type of thing that can keep your life insurance costs low when you have a health condition that life insurance companies consider “risky.”
- When was the last time you had a stress test? Recent and encouraging results will lower your life insurance premium.
- Have you experienced chest pains in the past few months? Ongoing pain is not a good sign for your recovery. Any lingering issues should be addressed as soon as possible.
The life insurance companies that specialize in this type of “impaired” risk want to know everything about your condition in order to accurately assess the effect stent surgery has had on your life and health.
At Ogletree Financial Services we handle clients with impaired risk every day. People who have health issues often aren’t sure if life insurance is possible for them. It is possible. Let us show you how.
Get in touch with Ogletree Financial Services today!
- Call 1-800-712-8519
- Use the free quote application on this page
- Send us a message from out contact page