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Angina Pectoris and Life Insurance
Trying to get life insurance coverage with a health condition like angina pectoris can be stressful, and the last thing you need when you have heart disease is added stress. We at TermLife2Go are here to help make your life insurance journey as smooth and easy as possible. If you have angina pectoris and are considering applying for a life insurance policy, keep reading to know what you can expect.
Buying Life Insurance with Angina Pectoris
What is angina pectoris?
If you have coronary heart disease and you suffer from any pain in your chest, this is known as angina pectoris, or stable angina. This pain occurs because the heart isn’t getting the amount of blood it needs, and your heart needs to work harder. This is added stress for your heart, which is exactly why life insurance providers will take note of angina pectoris.
Is it possible to get life insurance with angina pectoris?
The short answer is yes, it is definitely possible to get life insurance with angina pectoris. The long answer is that the type of life insurance policy you get—and if you get it at all—really depends on many additional factors related to your angina.
If you have had an EKG or ECG and your doctor has stated that you have a mild case of angina pectoris, then you have a chance at qualifying for a standard rating for your life insurance policy. If, however, your case of angina seems to be severe or if you have angina and you are under the age of 40, it may not be possible for you to get life insurance coverage. As you can see, there is an entire range of possibilities for angina patients.
What will happen when I apply for a life insurance policy?
When you apply for a life insurance policy, the provider will likely ask you for a physical. Knowing that you have a heart condition, they will also likely ask for recent EKG or angiography results. Additionally, a life insurance agent will ask you many questions to assess your current health state. As a patient with a heart condition, it may be tempting to downplay your symptoms or tell “little lies” in order to get approved for a life insurance policy. We strongly urge you not to do this. Doing so could jeopardize the validity of your life insurance policy when it is time for your loved ones to cash it in. There is no point in getting a life insurance policy if the life insurance company will later deem it fraudulent and useless.
To help you prepare for your application process, we have put together some questions that a life insurance company may ask a patient with angina:
- When were you diagnosed with angina? How old were you?
- How long have you been living with angina?
- Have you had symptoms of angina in the last six months-one year? If so, can you remember when and how often?
- Have you ever experienced severe chest pain while at rest? (If so, you could be experiencing Prinzmetal Angina)
- What is your treatment plan? Are you on medications, and if so, which ones?
- When was the last time you had an EKG? What were the results of your EKG?
- When did you last see a cardiologist? What did your cardiologist say about your current condition?
- Do you smoke cigarettes or drink alcohol?
- What is your blood pressure?
- What is your cholesterol level?
- Do you have a family history of heart disease?
It is a life insurance company’s job to determine the risk level of each applicant; does this applicant face any issues that could potentially cut short his/her life? Above are some questions that a life insurance company will ask to determine whether or not your angina poses any immediate threat. A life insurance company may ask you any or all of the above questions, or additional questions. The trick is to be prepared for almost any question related to your angina and overall health.
What if I have been denied a policy because of angina before?
If you have applied for a life insurance policy with angina and been denied, you may still be able to get a policy, but it depends on your specific situation. In some severe cases, it can be very difficult if not impossible to get life insurance coverage. However, your best bet is to speak with a professional advisor such as TermLife2Go. In some instances, the applicant simply chose to apply to the wrong insurance company for his/her situation. Some life insurance companies are much more lenient when it comes to angina, so you may just need to find the right life insurance company, and TermLife2Go can help you do that!
How do I know which life insurance company to consider?
If you haven’t applied for life insurance before, but want to make sure you apply to the right company, we can help you, too! We help patients with complicated issues like angina, or other heart conditions, to find angina pectoris friendly life insurance companies that are most understanding for those specific needs. However, you’re a unique individual so it’s about more than simply recommending a life insurance carrier that’s right for angina; we need to consider all of your life factors, what kind of coverage you desire to get, and the budget you want do it in.
TermLife2Go spends time getting to know you, your medical history, and current state of health, lifestyle choices, and your life insurance expectations. We then use your extensive knowledge of dozens of premier life insurance companies and their specific policies to make recommendations customized for your needs. Our objective is to help you find the best life insurance policy for your specific situation. We have no incentive to push forward one life insurance company or policy over another; our loyalty lies with you.
If you would like a free consultation or just check out some Free Life Insurance quotes with TermLife2Go, just click on the link and then give us a call if interested!
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