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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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

UPDATED: Oct 28, 2021

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The Facts of Life

  • Most life insurance companies require a waiting period of at least six months after open-heart surgery before offering coverage
  • Life insurance companies will want to know about your lifestyle habits, your medical record, and the measured success of the surgery
  • Banner Life, Lincoln Financial, and Mutual of Omaha are among the top life insurance companies for people with heart disease

If you have had open-heart surgery in the past, you may be curious how life insurance companies are likely to handle a policy.

Open-heart surgeries are extremely common in the United States today. Around 500,000 open-heart surgeries are performed every year, and that number continues to rise.

If you have had open-heart surgery and are now looking for life insurance coverage to protect your family members and loved ones, you may be a bit nervous about the application process.

The truth is—similar to open-heart surgeries themselves—life insurance after heart surgery is fairly common. There are life insurance companies that will cover clients that had open-heart surgery.

Insurance coverage for open-heart surgery will likely be more expensive than a standard or preferred policy, but you should still have some options when it comes to life insurance coverage.

Life insurance for heart patients is something you will want to research before you commit to a policy to ensure you find affordable life insurance after open-heart surgery if at all possible.

Because life insurance rates after open-heart surgery can range from reasonable to extremely expensive, your best bet is to shop around and compare life insurance quotes online with different companies before deciding for sure.

To get started, you can use our free tool above before you buy life insurance after open-heart surgery to see how top companies in your area compare.

Can I get life insurance after heart surgery?

While there is no guarantee because of a variety of factors, you should be able to get life insurance after having heart surgery. You’ll need to shop around for life insurance companies that will cover clients that had open-heart surgery

One of the biggest roadblocks to purchasing life insurance for heart failure patients is the timeline. Most life insurance companies will not consider covering you until you are at least six months into your recovery after open-heart surgery.

The reason companies wait to cover you is because of the inherent risk you represent. The further along in your journey of recovery, the better you are to insure because you represent less of a risk.

If you have just had open-heart surgery, don’t let this stop you from at least trying to find a life insurance policy. Just because most companies will not insure you prior to six months of recovery does not mean all of them will hold the same standard.

Because there are so many life insurance companies for open-heart surgery patients, you can use the internet to do your research and see if any companies are willing to insure you immediately after your procedure.

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How much is life insurance after open-heart surgery?

Life insurance rates after open-heart surgery are almost impossible to determine until you begin searching for quotes on your own and using your unique information.

Because heart surgery is taken so seriously by medical professionals and insurance companies alike, there are many factors that ultimately impact your life insurance quotes. These factors include:

  • Your past medical history, including procedures, stress tests, and mental health assessments
  • Your open-heart surgery information, specifically how many blood vessels were bypassed
  • How much time has passed since your procedure
  • The measured success of your open-heart surgery
  • Additional health risks, such as tobacco use, excess weight, and other contributing factors

If you have had open-heart surgery, you can expect your rates to be at least 15-20% higher than the average life insurance rates for a similar policy based on your age and gender.

Once you know what type of policy you want, whether it’s term life or whole life insurance, it will be easier for you to get an idea of how much you will pay for coverage.

What are the best life insurance companies that will cover me after my heart surgery?

Only you will be able to tell which companies are best for you after your open-heart surgery. You will want to discuss the specific policy you are looking for, the amount of coverage you wish to purchase, and potential rates based on your information.

Once you have shopped around, you may have your own idea of the best insurance for heart patients. But for now, keep your options open and be sure to compare rates from multiple companies.

There are a few companies that have been acknowledged for their willingness to take on patients with heart disease at more reasonable rates across the board. These companies include:

  • Banner Life
  • Lincoln Financial
  • Prudential
  • Mutual of Omaha
  • TransAmerica
  • Protective Life
  • AIG

When you shop around, consider other companies as well. There’s no telling which company will work best for you until you examine them all based on your unique needs.

What are the life insurance companies that won’t cover clients that had open-heart surgery?

There are not many companies that outright deny service to potential policyholders based on their past procedures, medical histories, or other life events.

Rather than choosing not to cover you, you may find countless companies that will offer you life insurance coverage at rates that are too outrageous to justify.

To avoid the stress and irritation that come from this experience, it is best for you to utilize free quote tools online to shop around for coverage while keeping your options open.

In fact, you can use our free quote tool below to find life insurance quotes after open-heart surgery and compare rates to get your best option.