Have you been declined for life insurance due to Myocardial Infarction?
Luckily, you’ve come to the right place.
we specialize in “high risk” life insurance.
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 Myocardial Infarction? And if so…
2. How much will it cost?
Yes, most individuals with Myocardial Infarction will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – If Myocardial Infarction is detected early and given appropriate treatment, chances are that symptoms will be controlled and, therefore, complications of further heart muscle damage can be prevented. These cases are usually given a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.
Moderate Case – A chronic case of MI that had been diagnosed early would have a good chance that symptoms of chest pain are controlled. These cases may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
Severe Case – An acute case of MI with severe symptoms of chest pain that can lead to a severe heart attack or even death looks bad and may get a “Severe Substandard” rating or worse a decline. Click here for a quote at “Severe Substandard”.
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 MI diagnosed?
The earlier MI is discovered the better the chance that it will be managed and controlled.
2. Have you experienced any sign of severe chest pain within the last six months?
Recent symptoms of severe chest pain within the last six months may be a sign of an unstable MI that may get a “Severe Substandard” or worse a decline.
3. Are you taking maintenance medications?
Medications for MI can be used as an advantage especially if they are taken regularly because they can be associated with a stable MI and, therefore, get the best rating. However, if medications are only recent and are given in high doses, it could mean a recent MI attack and may get a decline.
4. Do you have regular check-ups with your cardiologist?
Regular visits to your physician may be a good sign of compliance and may get a best scenario rating.
5. Have you had any relevant heart surgeries in the past?
If you have any history of an angioplasty or a heart bypass to remove plaque buildup in the past it will give insurance assessors a clearer view of your actual health condition. The best rating that can be given would be a “Severe Substandard.”
6. Have you had any relevant ECG tests or laboratory markers in the last past 6 months?
Lab tests like CK, CK-MB or CRP plus ECG tests done within the last 6 months will be the best way to determine the extent of heart muscle damage.
7. Do you have any of the following risk factors?
Risk factors include age higher than 40, hypertension, diabetes, smoking, hypertension, obesity, history of MI, alcohol use, high cholesterol or use of oral contraceptives. If you have any of these high risk factors it may get you a “Severe Substandard” rating or worse a decline.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
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 Myocardial Infarction
Myocardial Infarction otherwise called MI is commonly known as Heart Attack. MI is a serious condition that presents itself as Angina (severe and excruciating chest pain).
The chest pain is caused by a blockage on the major coronary arteries caused by cholesterol buildup. Since these major arteries are the key supplier of Oxygen to the heart, it causes the heart cells to rupture or die.
This major event can be a very serious condition that can lead to sudden death. Other than angina, other symptoms of MI include pain radiating to the left arm and hands, nausea, vomiting, excessive sweating, palpitations, anxiety and shortness of breath.
Related Keywords: angina, unstable angina, myocardial infarction, MI