Have you been declined for life insurance due to Angioplasty?
Don’t fret. We can help!
At HighRiskLifeInsuranceAgency.com, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with a previous Angioplasty? And if so…
2. How much will it cost?
Yes, most individuals with Angioplasty will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – The best case for Angioplasty is one that has been done for at least more than 2 years; this may be given a “Mild Substandard” rating. This case had already passed the critical period where complications like swelling, bleeding or infection that usually arise after the operation are absent. Provided, however, that there is no other cholesterol buildup/plaque in the same or other vessels. Click here for quote at “Mild Substandard”.
Moderate Case – Angioplasty with a history of complications, such as a heart attack or related heart issues, but whose symptoms are controlled may get a “Medium Substandard” health class. Click here for a quote at “Medium Substandard “.
Severe Case – An Angioplasty that is recent, whether there are or there are no complications may be given a “Severe Substandard” rating. Or if you have other blocked vessels or have not had recent cardiac imaging, this is also a higher risk case. Click here for a quote at “Severe Substandard.”
If you’ve had an angioplasty along with severe coronary artery disease, you may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild, Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. When was your Angioplasty surgery done?
The best rating a recent Angioplasty may get is a “Severe Substandard,” and unstable cases may get a decline. If, however, it has been 2 years or more it may be given a “Mild Substandard” rating.
2. Did you have any complications after your Angioplasty?
Complications after an Angioplasty such as difficulty exercising or cardiac imaging showing additional artery stenosis may be a sign of a deeper problem and may get a “Severe Substandard” rating or worse, a decline.
3. Do you have a history of heart attack?
Emergency Angioplasty that was done due to a heart attack is not a very good case and may get an automatic decline.
4. Are you taking any maintenance medications?
A yes answer is good and means good control of the condition, but a no answer after an Angioplasty is bad and may be a sign of non-compliance.
5. Do you have regular check-ups with your doctor?
Regular checkup with your doctor mean that your condition is managed well, symptoms controlled and complications prevented.
6. Have you had any relevant diagnostic tests in the past six months?
Recent diagnostic tests are the best means to assess your actual condition. This may also confirm your compliance with your physician’s management.
7. Do you have any of these lifestyle risk factors?
Lifestyle plays a huge role in the management after an Angioplasty to prevent complications. Risks include smoking, poor diet, no exercise, alcohol, stress and obesity. By adding any of these risks, you compound the heart problem and become a higher risk candidate.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe substandard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Angioplasty
Angioplasty is a surgical procedure done using a mechanical stent to widen or open major arteries that have been blocked by cholesterol buildup (atherosclerosis).
The objective of this procedure is to improve blood supply to the major organs in the body to prevent death or necrosis of the cells and tissues due to lack of Oxygen supply.
Areas commonly affected by atherosclerosis that require angioplasty include the coronary arteries, peripheral arteries, renal arteries, cerebral arteries or the carotid arteries.
Related Keywords: angioplasty, heart attack, atherosclerosis, heart disease, coronary artery disease