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Life Insurance with Angina Pectoris and Cardiovascular Disease

If you have a form of Cardiovascular Disease, inclduing Angina Pectoris, this blog post will discuss what you can expect to get in terms of pricing for term life insurance. If you are under 40 with Angina Pectoris, you will likely get declined for a traditional policy and will need to explore options for a graded death benefit policy. If you are over 40 it is possible to get approved for a regular term life insurance policy.

Life Insurance with Angina Pectoris with Normal Angiography:

If the results of your angiogram are normal, you can expect “normal” or standard underwriting for your life insurance policy. That means that factors such as age, coverage amount, heigh/weight, and overall health will be considered in the pricing of your life insurance coverage.  In that case simply compare life insurance rates with the quote form under this paragraph. Or read further about other forms of Angina and what you can expect in terms of underwriting.

Life Insurance with Prinzmetal

If you have been diagnosed with Prinzmetal, you should be able to get approved for life insurance. Questions we will ask you to help you get the best pricing for life insurance with Prinzemetal are:

  • Current Age
  • Date of Diagnosis
  • Severity
  • Current Symptoms
  • Treatment
  • Medications
  • Smoking History
  • History of Congestive Heart Failure or Arrhythmia
  • Blood Pressure/Cholesterol Readings
  • EKG/Echo-cardiogram Results
  • Any other health conditions –Such as high blood pressure, high cholesterol, Diabetes?

 

If you are seeing your cardiologist regularly and following treatment you are likely to see a Table rating of A-C. To get a customized quote fill out our contact us form and let us help you figure out the best approach for getting you approved for life insurance at the best rates.

Life Insurance with Angioneurotic Edema

Angioneurotic Edema, or Angiodema is similar to Prinzmetal from a life insurance underwriting standpoint. We would ask you similar questions about treatment,as well as results of recent EKGs and Echocardiograms as well as any other health conditions you might have. Expected table rating is A-C assuming that is the only health condition you have.

Life Insurance with Angioplasty

If you had an Angioplasty you might be able to qualify for a traditional life insurance policy, depending on several factors:

  •  Age
  • Date of Diagnosis
  • Severity
  • Current Symptoms
  • Treatment
  • Medications
  • Smoking History
  • History of Congestive Heart Failure or Arrhythmia
  • Blood Pressue/Cholesterol Readings
  • EKG test results

 

You will get the best ratings by having Stress EKGs within the past 12 months.

 

 

Contact Us and let us know your specific situation and we can help you get approved for a life insurance policy.

 

Life Insurance with Ankylosing Spondylitis

Depending on the severity of this condition, you should be able to get approved at Standard or Table A-C health rating for life insurance with Ankylosing Spondylitis.

With all the above cases there are a number of factors that affect the ability to get approved for life insurance with cardiovascular disease. Contact us to help you get approved for high risk life insurance at the best possible rates with the best life insurance company specifically based on your condition.

 

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Liran Hirschkorn

Liran Hirschkorn is the founder of Chooseterm.com. His mission is to help individuals across the country in finding the best rates on life insurance as well as helping individuals with high risk life insurance.

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