Does Having A Heart Attack Prevent Me From Qualifying For Life Insurance Coverage?

Mark Burback | Life Insurance | 13 Nov, 2015 | No Comments

As one of the leading causes of death for both men and women, heart disease impacts countless lives. In fact, it’s estimated that every year about 735,000 Americans suffer from a heart attack, making heart disease one of the most pervasive health risks facing Americans today.


Leaving many individuals questioning, is qualifying for health insurance possible when you have suffered from a heart attack?


Is Getting Coverage Possible?

The short answer? Yes, you can get life insurance coverage if you have had a heart attack. However, there are many different factors that can influence your end options. For example, not every provider may offer you coverage or comparable rates, but these are also not absolutes either. After all, there have been plenty of people who have been able to get life insurance coverage even after they’ve had a heart attack. Ultimately, you’re coverage options will depend upon the severity of the heart attack along with your current state of health. Keep in mind that these are only some of the factors that insurers will consider. In addition, providers will also be reviewing:


Time passed since the attack

Providers will want to know how long ago you had a heart attack. Generally, the longer it has been since the attack the better your coverage options will be.

Currently prescribed medications

If you’re currently taking any prescribed medications life insurance providers will want to know. If you are taking medications to improve your heart health this is likely to work in your favor. However, if you possess other health risks and are taking prescribed medications to treat these conditions then this is not likely to work in your favor. Keep in mind though that you should explore your options, as these factors are by no means ultimatums.

Potential long-term risk factors

Above all, insurers will want to see that you are of “low risk” risk status. For example, do you maintain an overall healthy lifestyle or do you lead a relatively unhealthy lifestyle? Insurers ultimately want to see that you are taking a proactive approach when it comes to your health and leading a healthy and active lifestyle.


Options Going Forward?

Now that you have a better understanding of what factors can influence your life insurance options you may be wondering what to do next.


Should you go ahead and get coverage now or put it off for a little while? Ultimately, this is a personal decision to make. However, it may be in your best interest to explore your options now. Why? It’s better to have an understanding of your potential options than not to have an understanding at all. Unless you begin reviewing your options now, you’re not likely to make an informed decision about your coverage.


If you would like to begin exploring your options, can help. Our simple and easy to use quote generator will help you find the best rates from the best providers, just enter your zip code to get started.

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