Heart Attack and Life Insurance Plano TX

Your Questions Answered: Life Insurance After a Heart Attack

Life insurance covers you and your loved ones when you need it the most!

Those with a history of illness like heart disease can find it more difficult to get life insurance coverage than those who are healthy. Although it is challenging, it is not entirely impossible to receive a good life insurance policy.

We are here to answer your questions about life insurance after suffering from a heart attack:

What do insurance providers need to know?

It’s important to be honest with insurance companies about your medical history. They will most likely require you to receive a medical exam, and if your answers don’t match the exam results, the process will be severely delayed.
Be prepared to answer these questions:

  • When were you diagnosed?
  • How frequently do you visit the doctor?
  • Do you have an underlying issue that triggered the heart attack?
  • Were treatments offered to you?
  • Have you had any treatments? This should include surgery and medications.
  • Has your condition improved since the first diagnosis?

What if I’ve had multiple heart attacks?

If you have a more serious form of heart disease or have suffered from multiple heart attacks, it’s still possible for you to get approved for coverage. Though you may not end up with the extent of coverage that you want, some companies do offer standard or regular term life insurance policies. If this is not available for you, a high-risk life insurance policy or graded benefit term may be necessary.

What kind of rates am I looking at?

Each policy rate will be different depending on the individual, so it is impossible to state exactly what you’ll be offered. For the best life insurance rate in Plano, Texas, for you, contact us at Tri-Star Insurance Professionals. Whatever your medical history may be, we are dedicated to connecting you with life insurance that meets the needs of you and your loved ones.