Have you been declined for life insurance due to Heart Bypass Surgery?
Don’t fret. We can help!
At High Risk Life Insurance Agency, we specialize in helping individuals with a history of coronary artery disease.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Heart Bypass Surgery? And if so…
2. How much will it cost?
Yes, most individuals with Heart Bypass Surgery will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – A best case scenario would be early detection of a narrowing or blockage that has been corrected by an elective (not an emergency case) Heart Bypass Surgery. This will increase the chance of reducing symptoms of angina and loss of Oxygen supply that can end up in serious complications like permanent heart damage or even death. Most these cases have a “Mild Substandard” rating. Click here for quote at “Mild Substandard.”
Moderate Case – Those with a history of more than one heart bypass (done at the same time or at separate surgeries) automatically gets a “Medium Substandard” rating. However, it must be established that there were no complications like myocardial infarct or acute renal failure post surgery. Click here for a quote at “Medium Substandard.”
Severe Case – A severe case would be a case of heart blockage or narrowing that is detected before the age of 40. This is considered severe because it is translated to many factors like poor lifestyle and diet plus the genetic predisposition where it is marked by a high probability or recurrence. Another incidence that can be considered severe would be a history of pneumothorax or hemothorax after the Heart Bypass Surgery. The best approval you may obtain for these cases are at a “Severe substandard” rating or worse a decline. Click here for a quote at “Severe substandard.”
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (medium substandard or severe substandard), please see the questions below:
1. When was your Heart Bypass Surgery done?
The best rating for a recent Heart Bypass Surgery that was done six months earlier would be a “Severe Substandard” since these cases can be considered unstable. In fact, some cases that pose a high risk for complications may get a decline.
2. Did you have any complications after your Heart Bypass Surgery?
Complications after a Heart Bypass Surgery include bleeding, tamponade or stroke. The best rating that can be given to these cases would be at a “Severe Substandard” rating or worse, a decline.
3. Do you have a history of heart attack?
Emergency Heart Bypass Surgery due to a heart attack is not a very good case and may get an automatic decline.
4. Are you taking any maintenance medications to control plaque buildup?
A yes answer is good and means good control of the condition where recurrences are significantly decreased, but a no answer after a Heart Bypass Surgery is bad and may be a sign of non-compliance and may get a decline.
5. What health practices do you do to prevent another blockage to your heart?
Lifestyle changes like low salt and low cholesterol diet, regular (doctor recommended) exercise and less stressful environment can significantly decrease the incidence of a blockage recurrence.
6. Do you have any of these lifestyle risk factors?
Lifestyle plays a huge role in the management after a Heart Bypass Surgery 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 standard” 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 Heart Bypass Surgery
Heart Bypass Surgery, also called coronary artery bypass surgery, aortocoronary bypass or coronary artery bypass graft is a surgical procedure to correct/remove blockages from the arteries or veins. It immediately relieves angina and treats myocardial infarction, which significantly reduces the incidence of death.
The surgery is performed by using arteries or veins from other parts of the body and then grafted to the heart structure. Heart Bypass is a high risk surgery that requires a cardiopulmonary bypass to stop the heart function while the procedure is performed.
This surgical procedure is common for cases of myocardial infarction, diseases of the three coronary vessels or diseases of the left main coronary artery.
Related Keywords: coronary artery bypass surgery, coronary artery bypass graft, CABG, heart bypass, bypass surgery, aortocoronary bypass