Best Life Insurance Company That Doesn’t Ask About Heart Disease in 2022
Millions of Americans live with heart disease, and many people assume they won’t qualify for life insurance because of it. However, there are many life insurance companies that don’t ask about heart disease. Life insurance with pre-existing conditions typically costs more monthly, but you can get the coverage you need. Additionally, if you are rejected for a standard policy, you can get a guaranteed or simplified issue policy that skips the medical exam.
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UPDATED: Dec 28, 2021
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- 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.
Rating Personal health Family history
Preferred plus Excellent health, no conditions No family history of health issues
Preferred Minor issues like high cholesterol Minor issues in family history
Standard Plus Good health with minor issues to improve, such as weight Minor issues in family history
Standard Average health with a few issues that might cause problems later Average family history
Smoker preferred Excellent health, no issues besides tobacco use No family history of health issues
Standard smoker Good to average health, a few health issues, tobacco use Average family history
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 condition 10 year, $500,000 20 year, $500,000
Arrhythmia $63 $101
Atrial Fibrillation $304 $533
Heart Bypass $263 $291
Coronary Artery Disease $183 $291
Coronary Angiography $248 $308
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.