How to get life insurance after heart attack

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There are many people who have survived a heart attack and wonder if they can still go for a life insurance or not. Let me tell you that it is possible to get a life insurance after heart attack. It’s just that you have to follow some of the important measures and take some extra precautions. 

Image courtesy: JPhotoStyle.com
Image courtesy: JPhotoStyle.com

It may be tough to obtain a life insurance policy, but is not impossible. There are some changes in the lifestyle that can help people prevent a second heart attack or diminish the risk of a heart attack. Some of the things that cause heart attack include smoking, obesity, exercise lack, etc. A person who has survived heart attack and is now compliant and stable with the orders of their doctor can qualify for a life insurance policy. 

These are some of the factors that can result in higher ratings for a person looking to obtain life insurance after heart attack. This includes:

  • History of over one heart attack
  • Heart attack at a younger age
  • Continuing episodes of chest pain or angina
  • Diabetes
  • Obesity
  • New changes in electrocardiogram
  • Unrestrained hypertension or other renal or cardiovascular disease
  • Decreased functioning of the left ventricular
  • Coronary artery disease
  • Reduced lipid control
  • Complications like persistent arrhythmias

In order to get life insurance coverage at a reasonable price as a heart attack survivor, you should follow some important instructions. 

Improve your weight

Image courtesy: Wikimedia Commons
Image courtesy: Wikimedia Commons

The heart muscle is excessively strained due to obesity. Your scale measurement and its affect on your health are generally dependent on a few things like your BMI (Body Mass Index). This is your weight measurement in relation to your height. Additionally, BMI is not the only tool that is used for measuring weight. For instance, stomach fat also increases the risk of a disease. Therefore, a man who has a waist of 40 inches or above and a woman who has a waist of 35 inches or above have a high body fat. 

If your weight is 20% over what your weight should be, you will be most likely advised by the doctors to shed your weight, so that there are less chances of a future heart attack.

And, if you diminish even 10 kilos, then you have begun on your path of better health. Additionally, obesity can also cause chronic illnesses, like cholesterol and high blood pressure, which in turn can increase the cardiac risk. 

Check the time

Generally, life insurance after heart attack can be provided to a person 6 months after their angioplasty, stents usage, or bypass. However, this time can vary from company to company. Usually, after a heart attack, the person has to wait for a minimum of one to two years for their good health. You may also have to provide your recent EKG, chest x-ray, or stress test, which will prove your stable condition. 

Get your latest workup results

When you are shopping for a life insurance after heart attack, make sure that you have your latest workup results with you, so that you can show them to the insurance company. Get them from your cardiologist and keep them with you, when you submit your insurance application. When you submit your medical records or doctor letters during your loan application, the loan provider is able to assess your health in a better way and thus will not have any mystery or doubt about it. 

Get an agent

Image courtesy: JPhotoStyle.com
Image courtesy: JPhotoStyle.com

When you are looking for a life insurance policy after heart attack, make sure that you work with a skilled and experienced agent. This will allow you to present your situation in a better way, without any unanswered queries. Moreover, it is advisable that you shop around and get advice of various agents. This is because the final rate that is offered to an applicant of life insurance who has had a heart attack in the past can differ considerably from one insurance firm to another. 

Thus, getting a life insurance after heart attack is not so tough, when you follow these points and keep them in mind.

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