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If you’ve had past heart disease and need life insurance, there are life insurance companies that make better offers for past heart issues. For example, if you’ve had a one vessel stent or bypass with no heart attack prior you could qualify for a Standard or Regular rate with some insurance companies.
Once you’ve had a heart attack and/or more than one stent or bypass, most life insurance companies will start “rating” you or charging 50%, 100% or more in addition to the “Standard” life insurance rates. Some companies will also decline people with heart disease whereas others won’t.
One of the biggest mistakes we’ve seen people with past heart disease make with regard to their life insurance is assuming that the rate for which they qualify is the best available to them. We have had the same person declined with one insurance company and then offered a Standard rate with another company.
We’ve had other clients rated upwards of 150% - 200% on top of Standard rates with one insurance company and offered Standard to 50% rating on top of standard rates with a different company.
The fact that we shop with numerous insurance companies for our clients with past heart disease has saved our clients hundred’s of thousands of dollars on their life insurance since we started doing this in 1969.
Call us or just request a quote and give your email and phone # and we’ll start the process of getting you the best life insurance rate possible no matter what your heart issue may be.
