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Life Insurance after Angioplasty

Researcher & Writer
April 11, 2020

Finding life insurance after angioplasty can be a daunting task. However, with the right information, you can find the best life insurance rates and quotes after angioplasty.

Are you looking to purchase a life insurance policy, but don’t know if you’ll qualify because you have had angioplasty to treat your heart disease? It can be difficult to know how to secure the best possible policy with a complicated medical history.

The main thing that life insurance companies care about isn’t that you had angioplasty: it’s that you have heart disease. Having had an angioplasty might actually be seen by a life insurance company as favorable, as it means that you have taken necessary treatment measures to better your heart health.

What will happen when I apply for a life insurance policy with angioplasty?

When you apply for whole life insurance, you will almost always have to undergo a physical examination. After the physical examination, your life insurance agent will probably ask you some important questions about your medical history. The life insurance agent does this so that he/she can gather as much information about your situation as possible in order to adequately assess your risk level.

Life insurance companies hesitate before underwriting a life insurance policy for a high risk applicant; they may recommend you seek alternative coverage, such as burial life insurance, accidental death insurance or deny you a policy completely.

For those with more serious health issues, please consider a no exam policy with the best final expense and burial insurance companies.

Some of the questions a life insurance underwriter may ask a candidate with angioplasty include:

  • When were you diagnosed with heart disease?
  • Prior to angioplasty, what treatment did you use?
  • Post angioplasty, what treatment do you use?
  • Have you ever undergone heart surgery?
  • When did you have your angioplasty?
  • How many arteries needed angioplasty?
  • Have you experienced restenosis (narrowing of an artery)?
  • What symptoms (if any) have you experienced post-angioplasty?
  • Do you smoke?
  • Do you drink alcohol? If yes, how often?
  • When was the last time you visited a cardiologist? What was the prognosis?
  • When was the last time you had any tests done related to your heart? Please share the results.
  • What is your diet like?
  • What is your cholesterol level (this may be found in your physical)?
  • Do you exercise? If yes, how often and what kind of exercise?

These questions help the life insurance underwriter to get a better understanding of your health. Some things cannot be quantified in a physical exam, hence the reason for the follow-up interview. After this interview, the underwriter will determine what rate you qualify for. The main thing is that despite your angioplasty, you should be in relatively good health. If you are, then chances are you will be approved for a life insurance policy.

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How do I increase my chances of getting a good life insurance rate?

When you have any health issue with a major organ in your body, life insurance companies will be cautious about issuing a policy. That’s not to say that you won’t get coverage—you very well may—but you may have to pay a premium. There is a chance that you can get a standard rate despite having had an angioplasty, but you need to know where to turn.

It’s important to understand that each life insurance company functions in a different manner. An insurance company which specializes in auto insurance but also offers life insurance, for example, may be a little harsher on various medical conditions because it’s not their specialization. Other insurance companies, may understand that while you did have an angioplasty, the risk of any heart problems in the future is minimal at best. That’s why choosing the right life insurance company is very important to the rate you’ll pay.

How do I know which life insurance company to choose?

We recommend that you talk to a life insurance agent. They take the time to get to know everything about you, your lifestyle, and your medical history. Then, they can use this information to make an informed recommendation that is right for you and you alone. This will increase your chances of getting the best coverage possible in the best life insurance rates possible. 

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