If I’ve Been Treated, Why Can’t I Get a Better Offer?Coronary artery disease is a progressive type of disease, so you’re never really “cured,” even if you had stents or bypass surgery. Whether you’ve had a heart attack or not, the extent of your disease (i.e. the more coronary arteries involved and the percentage of blockage in each artery prior to treatment) and how well you’ve done since treatment will be a big determining factor regarding the rate for which you’ll qualify. Having no heart attack prior to the discovery of your CAD is better than having a heart attack. One stent being placed is better than two stents, two stents is better than three stents, etc. A double bypass is better than a triple bypass, a triple is better than a quadruple, etc. If the cardiac catheterization report from your CAD incident showed that you had other blockages that were not large enough to require treatment at that time, this could be another issue which could result in a higher than expected rate being offered. Even if the blood is flowing smoothly through your coronary arteries now, this does not mean it will continue to do so in the future. After I had a cardiac catheterization prior to my aortic valve replacement, my cardiologist told me it can take about 10 years for completely clean coronary arteries to build up enough plaque to cause a potential problem. If you had a heart attack, stents, bypass surgery, or any coronary artery disease diagnosis and don’t change your diet, don’t start exercising, don’t lose weight, or don’t stop smoking, it’s highly likely that you’ll have another cardiac issue that could kill you. Even if you do everything your cardiologist tells you to, you could still have another incident. This is why life insurance companies usually charge more to people with coronary artery disease. CLICK HERE TO GET ACCURATE STENT(S) OR BYPASS QUOTE
So How Do I Get the Best Offer After a Heart Attack, Bypass, or Stents?As you can see by now, insurance companies will take a lot of criteria into consideration regarding your specific cardiac and other medical history and what rate they may offer you. Some insurance companies are great for coronary artery disease, and some are definitely not. If you need life insurance but have had a heart problem, a good strategy for you could be to obtain all of your cardiac medical records including the results of your cardiac catheterization report from your initial incident and any later catheterization reports you may have had. You could provide these medical records to an agent you trust will work in your best interest. We’ve spoken to many extremely frustrated people who have applied for life insurance more than one time and were always declined. Some of these people have been given completely wrong information by other agents and told that no insurance company will offer them life insurance. Most life insurance companies will not insure me, but I’ve shopped my own cardiac medical records to so many insurance companies, and I was able to get life insurance at the best rate possible. We do this all of the time. I’d be happy to do this for you, and it won’t cost you anything. With your cardiac medical records, I (or any good agent who has a lot of experience with heart cases) can shop your records to the best insurance companies for heart disease to get offers from numerous insurance companies before having you sign any applications. This will save you a lot of time and frustration as opposed to just applying to a random company through Joe Agent who represents only one or a few companies or who has little to no experience on heart issues. CLICK HERE TO GET ACCURATE STENT(S) OR BYPASS QUOTE
Case Studies- Getting Life Insurance with Coronary Artery Disease
Shopping CAD cases is not easy, especially when only relying on the answers to questions that you provide.
Most people don’t know the specifics about their cardiac history that the insurance companies will need to provide an accurate quote. I don’t know every detail that shows up on my echocardiograms, so I understand most people are not going to know a lot of details.
These details could be things like which vessels were bypassed or stented, what the percentage of blockage in your vessels was prior to intervention, what your current ejection fraction is, etc.