We’ve Got The Answers: I’ve had a Heart Attack, am I Able to get Life Insurance?


Today’s Question: If I have had a heart attack in the past, am I still able to get Life Insurance?
I have great news for you, the answer is yes! There are several options for those who have suffered heart attacks to purchase Life Insurance. If you have suffered a heart attack, there are certain things insurers are really looking for: how stable you currently are and how long is has been since you have had a heart attack.
So, what does stability mean? Well, it encompasses a few things:
  • Are you on any medication?
  • Have you had a recent change in your medication?
  • Have you been hospitalized?
  • Are you waiting for some tests or investigations that pertain to your condition?

The longer you have been stable, meaning your medication has not changed recently, you are not on any medication, or you have been without incident for a long time, your coverage will vary. This stability factor will determine how much coverage you are actually eligible for and how much it will cost you.

In sum, the outlook is quite good. Those who have suffered from heart attacks are eligible for Life Insurance. However, the process may require more questions to be answered and more tests to be done. Your heart health will also determine what you will pay and what coverage you can obtain.

To find the right policy for you, take to a Licensed Insurance Advisor. It’s the smart thing to do.

More Life Insurance questions? We have more answers here!

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