Finding life insurance approval with coronary artery disease is possible when you use an experienced independent agent at Abrams Insurance Solutions.
Quick Tip: Contact us with the specifics of your condition. We have an underwriting advisor on staff who will guide us to the life insurance company that will offer the lowest life insurance rates for your unique circumstances. We work for you and not the life insurance company and our goal is to help you secure the protection you need at the lowest price.
There are a variety of factors that life insurers take into account when considering whether to approve a life insurance application if you have this condition. Click here to complete our online underwriting questionnaire.
We will explain how you are rated and the most important risk factors that are taken into account when you apply for a policy and are suffering from coronary artery disease.
What is Coronary Artery Disease?
Coronary artery disease is one of the most common types of heart disease. The condition occurs when the arteries in the heart become blocked. The disease can cause angina which is chest pain caused by a lack of blood and oxygen, or a heart attack which occurs when blood and oxygen blood flow to a part of the heart are totally blocked. This can even result in permanent heart tissue damage.
Coronary artery disease is not curable, but it is treatable which can slow down the progress of the disease.
Coronary artery disease is caused by a progressive build-up of plaque on the walls of the arteries. The plaque is a sticky yellowish substance which is caused by cholesterol, along with calcium or other waste cell products. As the plaque builds, it begins to cause the arteries to narrow and reduces the flow of blood.
This build-up of plaque can occur anywhere in the arteries found in the body but generally occurs in the medium or large sized arteries. Plaque can also rupture which can result in a blood clot. This can also block the flow of oxygenated blood in the artery, and can result in either a heart attack or a stroke.
Symptoms which might indicate that you have coronary artery disease can include some or all of the following:
• Fatigue or shortness of breath
• Suffocating or burning sensation in the chest
Symptoms often start in the chest area and may also be felt in arm, back, neck, throat, or jaw.
Treatments for the disease can include medications such as anti-platelets, ACE inhibitors, Beta-blockers, Calcium channel blockers, and nitrates such as nitroglycerin. Surgical procedures such as a PCI (Percutaneous Coronary Intervention), an angioplasty with or without a stent, or coronary artery bypass surgery. Other forms of treatment may be required.
How Does Coronary Artery Disease Affect Your Life Insurance Rating?
If you have this disease and are applying for life insurance, you rarely receive a rating better than standard. The reason is that this disease has no cure, and your health will continue to decline over time. In some instances, if the disease is considered too progressive or advanced, you may be declined altogether. However, we do work with guaranteed issue life insurance companies that will offer coverage for any medical conditions.
However, if the disease was uncovered early enough and you have made appropriate lifestyle changes and are following your doctor’s prescribed course of treatment, you can be approved at a better rating.
The progression of the disease, along with your age, other relevant health related factors, and your lifestyle will have a bearing on your rating and the premium assessed.
Information Required By Life Insurers To Rate Coronary Artery Disease
The following information will be used by our underwriting advisors to help determine your health classification rating for coronary artery disease:
• Tobacco usage
• Family history
• Results of stress tests taken or proposed cardiovascular testing
• History of MI (Myocardial infraction, by-pass surgery or angioplasty with stent or multiple stents)
• Symptoms, frequency or history of cardiac episodes
• Treatment details if performed
• Medications and diet
• Lab results, particularly lipid tests – cholesterol and triglycerides
• Exercise or any other risk factors
• Any other applicable health risk factors such as diabetes and other complicating conditions
All of these and other applicable factors will be examined will affect how you are rated by an underwriter or declined for coverage.
Finding Life Insurance With Coronary Artery Disease
It is possible to find life insurance approval with coronary artery disease. It is essential that you do so using an experienced and knowledgeable independent insurance agent who can perform the comparison shopping for you, and knows which companies are the most lenient and therefore the least expensive when it comes to coronary artery disease.
At Abram Insurance Solutions, we have access to over 70 life insurance companies and we know which ones are the best life insurance companies that are the most liberal when it comes to issuing a policy for someone with coronary artery disease and other health related conditions.
Why You Should Use Abrams Insurance Solutions
The type of rating assessment for those who have coronary artery disease will depend on many different factors. Fortunately, here at Abrams Insurance Solutions we have an underwriting advisor on staff. He is familiar with how every life insurance company prices a particular pre-existing condition.
We will review your health history and guide you towards the life insurance company that will provide the lowest rates for your particular and unique situation.
If you have any questions, concerns or need advice during the process of finding life insurance approval with coronary artery disease, or any other health related concerns, then call us at 858-703-6178. Remember that we work for you and not the insurance companies. Our goal is to find you the best coverage possible at the lowest price.