Life insurance companies are concerned with consumers who had heart attacks. However, that doesn't mean that you are going to have to pay seriously high premiums for your policy or not have a policy at all.
Your eligibility for a policy and your premiums depend on the steps you have taken to treat your heart disease and the severity of it. If you are practically healed and your heart disease severity isn't high, then you will be able to purchase a policy with affordable rates.
Dr. Robert Gleeson, a medical underwriter and vice president at Northwestern Mutual Life Insurance Company says, "We spend our lives underwriting diseases. And, as an industry, we've had a lot of experience with coronary disease.'
Christopher Graham, vice president and chief underwriter for Hartford Life says, "We are able to offer an insurance policy to the vast majority of people with a history of heart disease.'
Because heart disease is common among the citizens of the U.S, insurance companies usually do have certain policies for people who do suffer from heart problems.
How can you purchase a policy with affordable rates after having a heart attack? You can start by waiting. Even though it is said that you should purchase life insurance as soon as you need it, waiting a year or two after your heart attack might be better.
Graham says, "For many impairments, the more recent the occurrence, the less favorable the rates. We want to look at what happens afterwards.'
After your heart attack, do everything that you can to heal and decrease the severity your heart problems. When doing so, you will be healthier; therefore, you will receive lower life insurance premiums. Follow your doctor's orders and do everything you can to help yourself.
Graham claims, "Your doctor ill tell you to lower your cholesterol, change your diet, keep track of your blood pressure, take medications, and exercise. It's tried and true and the best advice. Work with your physician to stabilize your condition and make sure that it is all evident in your doctor's records.'
If you want to make sure that the steps you have taken are detailed in your medical files, let your insurance company know all of the steps that you took to improve your heart condition. Gleeson says, "If someone tells met that they have high blood pressure but doesn't give me any more information, I don't feel very good about issuing a policy without getting more information. As with anything, you can sometimes be on the fence as to what kind of an offer to make to a life insurance applicant. If you feel good about it, you will usually fall on the side of the more aggressive offer.'
