Life Insurance for Heart Stent Patients

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 surgery. 

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 approved. 

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 were implanted?

• Does the applicant smoke?

• What is applicant's height and weight?

• Are there any other health conditions present?

• Prescribed medications and amounts.

• What are results of recent stress tests?

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 exam completed.

To get the best rate the insured will need to take a free brief exam.

Heart Stent Life Insurance Quotes Name, Phone and email must be provided

Name:

Phone:

Email:

Birthdate: January February March April May June July August September October November December / 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 / 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985

State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. Columbia Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Personal NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Sex:    Male Female

Used Tobacco in Past 2 years:    Yes No

Health Rating: Preferred Plus Preferred Standard Plus Standard

Coverage Amount: $5,000 $7,000 $10,000 $12,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,250,000 $1,300,000 $1,400,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $3,000,000 $3,500,000 $4,000,000 $5,000,000

Policy Period: 10 Year Level Term 15 Year Level Term 20 Year Level Term 25 Year Level Term 30 Year Level Term 35 Year Level Term 40 Year Level Term To Age 65 To Age 70 To Age 75 To Age 80 To Age 85 To Age 90 To Age 95 To Age 100 To Age 105 To Age 110 To Age 121 Level (No Lapse U/L) To Age 121 Level - Pay to 100 To Age 121 Level - Pay to 65 To Age 121 Level - 20 Pay To Age 121 Level - 10 Pay To Age 121 Level - Single Pay

Quotes provided by VAM dB

Privacy Policy

 

However if we cannot get any offers for coverage an 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.