Yes, you can get life insurance if you have heart disease. However, it is very important to share all of your health details with an impaired risk life insurance agent, so that your agent can find your lowest rate.
Your diagnosis, date of diagnosis, type of medications you take, when you had procedures done, number of times you have had procedures done, and how you are doing now, all enter into what policy you can get and what rate you will pay. The variation in premiums is huge, depending on those health details.
But if you gather your information and share it with an agent experienced in placing life insurance for heart disease, you will get the best possible rate.
Also, heart disease is one of those health conditions that may present a lower risk as the years go by and there are no repeat events. If you were diagnosed before age 40, going several years with no repeat events will not matter much. But if you are over 45 when you had a heart attack, stent, pacemaker, etc, going 5 or years without a recurrence could enable you to replace your policy and get a lower rate down the road.
That is an excellent question! The happy answer is yes, you absolutely can. There will be a lot of things that will determine the type of policy that you can get, and the benefits and cost, so I would strongly advise that you find a good independent agent ( one not tied to a specific brand name) to help you look at several options to find the best one for you. If you need help, feel free to contact me, I'm always happy to help. Thanks for asking!
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Your diagnosis, date of diagnosis, type of medications you take, when you had procedures done, number of times you have had procedures done, and how you are doing now, all enter into what policy you can get and what rate you will pay. The variation in premiums is huge, depending on those health details.
But if you gather your information and share it with an agent experienced in placing life insurance for heart disease, you will get the best possible rate.
Also, heart disease is one of those health conditions that may present a lower risk as the years go by and there are no repeat events. If you were diagnosed before age 40, going several years with no repeat events will not matter much. But if you are over 45 when you had a heart attack, stent, pacemaker, etc, going 5 or years without a recurrence could enable you to replace your policy and get a lower rate down the road.