subject: Getting Life Insurance After Recovering From A Heart Attack [print this page] If you have recently had a heart attack, getting life insurance at a fair rate may not be as difficult as you think. Depending on the severity of your condition, there are some medical underwriters that may look at your case more favorably than others.
Heart disease affects about 12 percent of the American adult population and is ranked the number one killer disease of the nation, according to statistics from the Centers for Disease Control and Prevention. The good news is that there is continual improvement in the field of medical research. Over the years, treatment of heart attacks has had more positive results, leading to quicker recovery. However, it is not surprising to note that life insurance companies would consider a person who has had a heart attack, a high-risk category. Life insurance rates for such people would reflect the severity of the disease and the steps that have been taken to treat it. While preferred rates may not be applicable, you may be able to get standard rates.
Here are a few tips on how to get the best life insurance rates even after you have had a heart attack.Dont wait to purchase a life insurance policy after a heart attack. Some life insurance companies may offer a flat extra premium on top of the rate charged for the first few years after you have had a heart attack. While this may be expensive, it is worth paying the higher premium. At this stage, because heart health is at risk, the need for you to be insured is great. Shop around for the best rates. Reliable online life insurance quotes providers can, within minutes, send you life insurance quotes from reputed life insurance carriers whose underwriters look more favorably on heart disease.Once youve purchased a life insurance policy, you can ask the company to review your health status after a year or two. Make sure your medical file shows a successful record and clearly mark improvements in levels of cholesterol, blood pressure, weight reduction, etc. Underwriters are reassured when they see that you are cooperating with your physician to improve your heart health and are more likely to give you a better rate.The best way to get a good life insurance rate after a heart attack is to shop around. Life insurance is a competitive industry and underwriters use different criteria to evaluate life insurance rates. The more you shop, the better your chances at finding the best rates and a life insurance policy that suits your needs.
by: Denise Mancini
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