Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jun 28, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

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Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Heart disease affects millions of Americans and is the number one cause of death in the country
  • Many life insurance companies will work with you, even if you have heart disease
  • If you’re worried about being rejected, you can apply for guaranteed or simplified life insurance

Heart disease is a scary topic to discuss, especially if your doctor has troubling news concerning your own heart. Hearing that your heart isn’t in perfect health can make you think about the future.

One of the best ways to prepare for your family’s future is to get a life insurance policy, but you might think it’s impossible when you have heart disease. The truth is, you can find life insurance even if you have heart problems.

In fact, some companies specialize in working with people with heart disease.

If you want to find affordable life insurance companies that don’t ask about heart disease, your best bet is to shop around for quotes. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

Life Insurance Companies That Don’t Ask About Heart Disease

Heart disease is extremely common in American and accounts for a quarter of all deaths. Unfortunately, it’s all too common to get a troubling diagnosis concerning your heart.

The good news is that it’s not difficult to find a life insurance company that will sell you a life insurance policy. The bad news is that you will likely have to pay higher rates.

Insurance companies judge applicants based on a scale. The higher you rank on that scale, the lower your monthly rates will be.

RatingPersonal healthFamily history
Preferred plusExcellent health, no conditionsNo family history of health issues
PreferredMinor issues like high cholesterol Minor issues in family history
Standard PlusGood health with minor issues to improve, such as weightMinor issues in family history
StandardAverage health with a few issues that might cause problems laterAverage family history
Smoker preferredExcellent health, no issues besides tobacco useNo family history of health issues
Standard smokerGood to average health, a few health issues, tobacco useAverage family history
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As you can see, people with heart disease don’t qualify for the best rates. Insurance companies consider you a higher risk to insure because of the associated health risks with heart disease.

Types of Life Insurance for Heart Patients

Heart disease doesn’t necessarily mean you’ll be excluded from standard life insurance.

Term life is a plan that will pay your beneficiary for a specific period of time, usually between 10 and 30 years. Term life is a excellent option for people with young children who want to make sure they reach adulthood with financial coverage.

People with moderate or mild heart problems can qualify with minor issues.

Another popular standard life insurance policy is whole life. As the name suggests, whole life covers you for the rest of your life. People who are worried about future health problems or don’t want to keep track of renewing their policy enjoy a whole life policy.

The downside is that whole life rates are more expensive.

Chances are that you can get a whole or term life insurance policy even if you have heart disease, especially if you can afford higher premiums.

However, if you simply can’t find affordable rates, you can always apply for simplified or guaranteed issue life insurance. There are great life insurance with pre-existing conditions options.

Guaranteed issue life insurance policies involve a medical interview but no medical exam. Simplified issue skips both exam and interview. This option is best for people who have had a heart attack or any other serious heart issue.

If you simply can’t find insurance any other way, these are options you can count on. Simplified and guaranteed issue come with smaller death benefits, but it’s better than nothing.

Enter your ZIP code below to compare cheap life insurance rates.

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How much does life insurance cost with heart disease?

Finding life insurance regardless of health conditions can be a challenge, but you do have options. The real question is: how much do these options cost?

Heart condition10 year, $500,00020 year, $500,000
Atrial Fibrillation$304$533
Heart Bypass$263$291
Coronary Artery Disease$183$291
Coronary Angiography$248$308
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As you can see, rates from life insurance companies that don’t ask about heart disease are higher than people with healthy hearts.

Get the Life Insurance Coverage That You Need

To protect themselves financially, life insurance companies do ask about heart disease and other health conditions. If you can afford higher rates, however, you should consider getting a life insurance policy.

If you’re ready to see quotes from life insurance companies that don’t ask about heart disease, you should shop around for the best rates. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool.