Life insurance is one of the most important purchases that you’ll ever make for your loved ones. It’s one of the best ways to ensure that your family has the coverage and money that they need, even if something awful were to happen to you.
When you apply for life insurance, the company is going to look at dozens of factors to determine if they will accept you for protection. One of those factors is your health and any pre-existing health conditions that you may have.
Every year, there are over a half a million people that have a heart stent surgery. Those people might have been declined for life insurance or have been given insurance quotes that are through the roof. If you’re one of them, don’t assume that you can’t be approved for an affordable policy. There are a couple of different things that you can do to improve your chances of getting life insurance at reasonable rates.
Time is Valuable
It’s important that you understand the importantance of waiting. If you recently had the heart stent surgery, within the past 6 months or year, then you should probably wait a little longer to apply for coverage.
The insurance company wants to see that you are in good health and that there will be no health problems because of the surgery. If it’s been at least a year, then you should no have problems getting approved for insurance protection.
As long as there has been some time in between your surgery and your application date, then you can be approved for a “standard” rating on your plan. That’s going to be the best possible outcome for anyone with a heart stent.
Get in Shape
When you apply for life insurance, the insurance company is going to require that you take a medical exam, unless you have chosen to purchase a no medical exam plan, due to severe health issues, which will come at a higher premium rate. As an applicant with a heart stent, they will want to ensure that you’re in good health and that the stent isn’t accompanied by other health complications. The results of the medical exam are going to play a major role in how much you pay every month for your insurance protection.
Before you apply for insurance, take the time to improve your health. The two best ways that you can do that are to start a diet and start getting regular exercise. Both of these can help you lose weight, improve your heart health, lower your cholesterol, and much more. The better that your health is, the lower that your rates are going to be.
One of the best ways to ensure that you’ve got the best chance to be approved for life insurance is to cut out any tobacco that you currently use. If you’re a smoker, or you use chewing tobacco, then you’re at a much higher chance for being diagnosed with severe health complications, which means that you’re going to pose a much higher risk to the insurance company. They are going to offset that by charging you drastically higher premiums or they might reject your application altogether. As an applicant with a heart stent, they will want to ensure that you are not adding any additional red flags to your medical history. Cutting smoking will drastically improve your chances of getting approved for coverage and save you thousands of dollars every year on your insurance plan.
Finding the Right Company
Every insurance company is different, and all of them have different medical underwriting standards and requirements. Each company is going to give heart stent patients different costs based on how they view their health and medical history. If you have any severe pre-existing conditions, like a heart stent, it’s vital that you find a company that is going to offer lower premiums for applicants with stents. Finding the perfect company for you can be the difference in getting approved for a standard policy, or being declined for coverage.
There are over 800 insurance companies on the market, and all of them are going to offer different rates, and you could spend days and days calling those companies. Instead of wasting all of your time asking companies about stents, let me do all of that hard work for you. We are a group of independent insurance agents, which means that we don’t work with one single insurance company. That means that we can bring a dozen quotes directly to you, based on your health.
Working with one of our agents will save you both time and money on your life insurance search. We have years of experience working with all types of clients and companies across the country. We know which providers are going to accept your application and give you the lowest premiums for your life insurance plan.
Questions about Life Insurance?
Buying life insurance can be tricky. There are several kinds of plans and factors that you need to compare when you’re shopping for protection. That’s why we are here to help. It’s our goal to ensure that you’re getting the best plan possible for you and your loved ones.
If you have any questions about getting life insurance with a stent or about the options available to you, please contact me or one of our agents today. We would love to answer those questions and clear up any confusion that you have about life insurance.
You never know what tomorrow is going to bring. That means that you shouldn’t wait another day to get the life insurance protection that your family deserves. Not having life insurance coverage is one of the worst mistakes that you could make for your loved ones. Don’t wait another day to get the insurance coverage that you need.
This is Liran Hircshkorn from chooseterm.com and in this video, I’m going
to talk to you about getting proof for life insurance after you’ve had a
stent put in, coming up in this video. So, you may have had a stent put in
over the last couple of years or several years ago and you’re looking to
get a life insurance policy.
What are some things that need to know? First, if you’ve had a stent put in
within the last six months, you’re probably not going to get approved,
since most life insurance companies want to see at least six months
following the stent before they approve you.
Because any complications that can happen will typically happen within six
months of the surgery. So, first thing is you want to wait six months at
least after having the stent put in before you apply for coverage.
Now, as far as getting approved and getting the best rate for coverage
really depends on what the triggering event was that caused you to need a
stent. So, for example, if you had some blockage that was discovered in a
physical exam, then that’s going to be better and easier to get approved
for coverage than, let’s say, if you had a heart attack that led to the
event of having to have a stent put in.
The other factors to consider are whether you’ve had one stent, whether
you’ve had two stents. Again, you’re going to get better rates with only
having one stent put in and not multiple stents.
So, when we speak to you regarding getting a life insurance policy, we’re
going to ask you these questions. “When was the stent put in”? “What have
tests been like since the stent”? “Have stress tests and EKGs been normal
since”? “What was the underlying reason for the stent being put in”? And
“When was the event and how many stents were put in”?
So, we’ll talk about these things. And based on your answers, we can give
you an idea of “Can you get a proof of life insurance”? And “What type of
life insurance pricing can you expect”?
So, you can give me a call. My name is Liran Hirschkorn. Or click the link below if you’re on
YouTube. Visit our website chooseterm.com to get a customized quote for
Thank you and I look forward to speaking with you.