People who have had heart stents
implanted face serious challenges when trying to procure a life insurance policy.
We have identified at
10 top rated companies that will issue plans, under certain circumstances, for people who have had heart stent
Because of the complex health issues involved it is not prudent
to provide a "cookie-cutter" quote engine to provide rates instantly. Those
prices would be inaccurate almost all the time. It is possible however for certain
heart stent patients to have a traditional term or whole life policy get
There are several issues the insurance
companies will want clarified before making a decision. They include but
are by no means limited to the following:
Which arteries received the stents and
what was block % before and after surgery?
Did the applicant have a heart attack
prior to surgery?
How old was the applicant when stents
Does the applicant smoke?
What is applicant's height and weight?
Are there any other health conditions
Prescribed medications and amounts.
What are results of recent stress
Once this information is provided,
Terminsurance4less will then directly contact the decision makers, i.e., the
underwriters, at the companies we have identified that issue life insurance
policies to people with a heart stent history.
Depending on the health
history we may receive several tentative offers or none at all. A
tentative offer is a rate class that based on the information provided would be
offered by the insurance company. It is tentative because the information
must be verified.
This can only be done by ordering the medical records,
which does not occur until a formal application is submitted and a free brief
To get the best rate the insured will need
to take a free brief exam.
However if we cannot get any offers for
applicant with this condition can often choose and qualify for a no exam graded death benefit plan.
With a graded death benefit plan, the
death benefit in the first 2 or 3 years is lower than the policy's face amount.
Once this "waiting period" has passed the full amount of the policy will be paid
to the beneficiaries in the event of death.
Our goal is to provide
accurate quotes and explain the different features inherent in each plan so
people with heart stents can make an informed decision.
Please call us toll free 1-888-394-0971 to
review your situation and get your quotes.
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