After heart surgery, yes you can get life insurance. To start, there are what we call guaranteed issue policies which can give you a basic burial policy.
A big question is what kind of surgery was it? If you just had a stint put in, and it was about a year or more ago, you can apply for Life Insurance.
If the surgery was more serious, then you may have to stick with a guaranteed issue.
The more time that passes without incident from the surgery, the better chances you have of getting a policy.
Keep in mind, the premium will be higher than if you did not have a surgery. I would contact your broker, fill out a questionnaire and see what your options are.
It is pretty easy to get a simplified issue life insurance policy after having a coronary bypass. And as the name says, you are guaranteed to qualify for a guaranteed issue policy.
If you want more than $50,000 of coverage, whether you qualify for that amount will depend on the age at which you had your open heart surgery, how many vessels were involved, whether there were any blockages later, and how your stress tests results are now.
If you smoke or have other health conditions, such as diabetes, you most likely will be declined for this type of medically underwritten policy. But if you were at an older age when you had your heart surgery, it was effective and not too extensive, there is a good chance that you can get the amount of coverage you desire.
That is an excellent question! Yes, you can. And depending upon how long ago your surgery was, and how complication free you have been since, it should not prevent you from finding a good, affordable policy. If it has been more recent, you may find that the policies are more expensive, and come with a period called a "grade" that reduces your death benefit during that grade period. Your best bet is to find an agent who will look into finding you a policy that is right for you. If you would like to contact me , I'd be glad to help. Thanks for asking!
President, The Firm of Steven H. Kobrin, LUTCF, 6-05 Saddle River Rd #103, Fair Lawn, NJ 07410
Yes, you can! I have done it for people.
Here’s a quick testimonial: a man contacted me who needed life insurance to indemnify a business loan. He had had open heart surgery several years before, and was having a really tough time getting an offer.
I developed a portfolio of quote information about him, and went to market on his behalf. It didn’t take too long to find out what the chief obstacle for him was:
inconsistent follow-ups. The surgery had taken place in another state, and there he had a cardiologist he liked. However, he had since moved, and had not yet found a replacement physician. So he didn’t bother to get a follow up.
No underwriter in his right mind could make an offer without knowing his current status.
I was able to persuade him that I had a good chance of getting an offer if he had good follow-ups. (Of course, from a medical point of view, he should have had follow-ups anyway.)
He went ahead and connected with a local cardiologist, and had all the necessary testing done. The results were good enough to get him a decent offer, and his business loan came through.
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A big question is what kind of surgery was it? If you just had a stint put in, and it was about a year or more ago, you can apply for Life Insurance.
If the surgery was more serious, then you may have to stick with a guaranteed issue.
The more time that passes without incident from the surgery, the better chances you have of getting a policy.
Keep in mind, the premium will be higher than if you did not have a surgery. I would contact your broker, fill out a questionnaire and see what your options are.
If you want more than $50,000 of coverage, whether you qualify for that amount will depend on the age at which you had your open heart surgery, how many vessels were involved, whether there were any blockages later, and how your stress tests results are now.
If you smoke or have other health conditions, such as diabetes, you most likely will be declined for this type of medically underwritten policy. But if you were at an older age when you had your heart surgery, it was effective and not too extensive, there is a good chance that you can get the amount of coverage you desire.
Here’s a quick testimonial: a man contacted me who needed life insurance to indemnify a business loan. He had had open heart surgery several years before, and was having a really tough time getting an offer.
I developed a portfolio of quote information about him, and went to market on his behalf. It didn’t take too long to find out what the chief obstacle for him was:
inconsistent follow-ups. The surgery had taken place in another state, and there he had a cardiologist he liked. However, he had since moved, and had not yet found a replacement physician. So he didn’t bother to get a follow up.
No underwriter in his right mind could make an offer without knowing his current status.
I was able to persuade him that I had a good chance of getting an offer if he had good follow-ups. (Of course, from a medical point of view, he should have had follow-ups anyway.)
He went ahead and connected with a local cardiologist, and had all the necessary testing done. The results were good enough to get him a decent offer, and his business loan came through.
A happy ending.