Getting a stent is a complicated procedure which can save lives, but getting approved for life insurance with a stent can prove to be a challenge. Most people who have experienced cardiac complications may feel life insurance is now impossible to obtain, but in many cases we can still find affordable options. Heart issues are one of the common issues in America right now and the recent technologies allow people with them to often live a healthy life after the scare. We often come across people who have never owned any life insurance and then after a heart issue wake up and realize they don’t want to live another day without being protected with life insurance. We are here to help you even if you are looking for life insurance with a stint.
One of the biggest concerns around life insurance with a stent is the unpredictability of the side of the insurance company. Some people have a heart issue which requires a stent and then go on to live healthy lives since they start to take better care of their body. Other people continue with the habits which required the stint and have much reduced lives as a result. This is why it is so important to work with an insurance carrier who will give you the best chance of approval for life insurance with a stint.
Life Insurance And Stents
The process of having stents put into your body, and maintaining them has taken strides in safety and success. However, people often start to think of their own mortality when they suffer a heart issue. This leads many people to consider purchasing life insurance for the first time. They then find how much harder it is to get approved for life insurance with a stent.
If you are within 6 months of having stent surgery you will not be able qualify for a traditional life insurance policy, but we can put a short term guaranteed issue policy if you need immediate coverage. After 6 months of surgery we do have traditional life insurance policies which you may be able to qualify for much easier. Insurance carriers shy away from those first 6 months because they hold the greatest risk in complications and any other issues which may arise.
Underwriting Life Insurance With A Stent
Our company is based upon helping people who have a “high risk” condition for life insurance. This has allowed us to be able to get in contact with company underwriters to determine your tentative health rating for a policy. In order to do this we must ask you some questions to get a better idea of your condition. Some of the questions we may ask include:
- Amount of stents?
- Date of stent surgery?
- Did you experience a heart attack or stroke?
- Previous results of recent stress test?
- Healthy choices such as diet or exercise?
- Ejection fraction levels (how much blood is pumped on each beat)?
The more information you can give us surrounding your history of stents the better. We will then get in contact with multiple carriers who have “sweet spots” for life insurance with a stent. Within 24-48 hours we will have a good idea on which carriers will offer coverage, and which is coming in with the best rates. This is all before you apply for a policy, so we can try our absolute best to avoid a decline.
When searching for life insurance with a stent it is very crucial to work with an experienced high risk life insurance agency. We know the questions to ask, the carriers to work with, and ultimately the policy which will provide you coverage at the best rates. If you, or someone you love, is searching for life insurance with a stent please give us a chance to find you affordable life insurance protection.