Life Insurance after Cardiac Catheterization Cardiac catheterization is a medical procedure that is used to test a patient’s heart and also to treat some heart conditions.

If you’ve had this procedure, it will show up on your medical records and this can be a problem when you apply for life insurance.

When insurers see this procedure, they worry that you might not have recovered or that you have more serious heart problems. Depending on your health though, you can still get coverage after a cardiac catheterization. You just need to plan your application right to minimize problems. To help you get started, here are the underwriting guidelines for someone that had a cardiac catheterization.

Life Insurance Underwriting after Cardiac Catheterization

When you apply for life insurance after a cardiac catheterization, your life insurance agent should ask you several questions about the procedure. Be prepared to answer:

  • When did you have your cardiac catheterization?
  • What were the results of the test?
  • Was the procedure just for testing or to treat an underlying condition?
  • Did you need percutaneous transluminal coronary angioplasty (PTCA) as part of the procedure?
  • Did you have any complications after the procedure?
  • Do you have any other heart issues or risk factors for heart disease?
  • Are you taking any medications for your heart?

Common medications for after a cardiac catheterization include: Beta blockers, Nitrates, ACE inhibitors, Digoxin, and Diuretics. All of these medications could be insurable depending on the severity of your condition.

As you apply, be sure to include as much information as you can about your cardiac catheterization. Insurance companies will see you had this procedure so you want them to know exactly what happened and show that the situation is under control.

Otherwise, underwriters will worry and could give you a worse rating or decline your application.

Life Insurance Quotes after Cardiac Catheterization

Your life insurance rating after a cardiac catheterization primarily comes down to why you needed the procedure. If you just needed the procedure to test the status of your heart and everything turned out fine, it might not affect your insurance rating at all. If the catheterization was to treat an underlying health problem or was part of a more complicated procedure like PTCA, it will have a more serious impact.

Beyond this procedure, insurers will also consider your overall health, your risk factors for heart disease, and your family history of heart disease. While each insurer has slightly different underwriting standards, here are some general guidelines that can help you predict what rating you’ll receive.

  • Preferred Plus: Possible if the cardiac catheterization was only for diagnostic purposes and the applicant turned out to be in perfect health. Even in this ideal situation, it’s still a little bit rare to get the preferred plus rating as insurers will wonder why an applicant needed this procedure in the first place.
  • Preferred: More likely best rating for someone that had a cardiac catheterization for diagnostic purposes and is in great health. Applicant should have no signs of heart disease, be fit, and not smoke.
  • Standard: Most likely rating for an applicant that had a cardiac catheterization for diagnostic reasons. Applicant can have some minor health issues like being slightly overweight or mildly high cholesterol and still receive a standard rating. In rare cases, an applicant that needed a cardiac catheterization to treat a heart condition may also be able to get a standard rating. Applicant should have fully recovered and waited at least a year after the procedure.
  • Table Rating (substandard): Most applicants that needed a cardiac catheterization for medical reasons. Applicants should wait at least 6 months before applying as this shows that there were no complications from the procedure. An applicant’s table rating will depend on how well he recovered, whether he has any other heart issues, or other health risk factors.
  • Declines: Applicants that apply for insurance within 6 months of a more serious procedure like PTCA. Insurance companies need more time to make sure there are no resulting blockages or other issues. Also, applicants that have more serious heart problems like congestive heart failure could be denied

Cardiac Catheterization Life Insurance Case Studies

After you’ve had a cardiac catheterization, your application can make a significant impact on your life insurance rating so be sure to plan ahead. Here are some real life case studies that show the difference a good application can make.

Case Study: Female, 62 y/o, non-smoker, had a cardiac catheterization for diagnostic reasons at 60, heart in good shape and no other health issues.

This applicant was in very good health when her doctor recommended she take a cardiac catheterization for diagnostic reasons; the doctor wanted to double check she had no issues. The applicant turned out to be fine and pretty well in perfect health. When she applied for life insurance at 62, she received a standard rating. Not bad, but we thought she could do better. We recommended she see her doctor and ask for a note vouching for her great health and for the fact that he suggested the test and that it wasn’t for a health issue. With this new information, the applicant received a discounted preferred rating.

Case Study #2: Male, 59 y/o, needed a cardiac catheterization with a PTCA at 55, former smoker, improved health and weight since the diagnosis, taking Beta Blockers and Ace Inhibitors

This applicant had a very poor lifestyle. He was smoking, overweight, and had high blood pressure. This eventually led to heart problems and a blocked artery. He needed a cardiac catheterization with a PTCA to clear up the problem. Immediately after the procedure, the client tried applying for life insurance right away. He was rejected because he did not wait at least 6 months. From that point on, he started living a healthier lifestyle and starting taking medication for his cholesterol and blood pressure. At this point, we recommended he try applying again. We also recommended he take an EKG before applying to show his heart was in better shape than before. This time, the client received a rated policy.

Getting Affordable Life Insurance

One of the most common reasons that people don’t have life insurance is because they assume that it’s too expensive, but that couldn’t be further from the truth. Regardless of your health or your life insurance needs, it’s possible to get an affordable plan.

The first thing that you should do is cut out any tobacco that you currently use. If you have any heart problems, using tobacco could drastically increase the risk of having more heart related complications. The insurance company views smokers as drastically higher risks to accept for their insurance coverage. Smokers are going to pay at least twice as much for their insurance coverage versus what a non-smoker would pay for the same sized plan. If you want to save money on your life insurance plan, it’s time to kick those bad habits once and for all.

The next thing that you should do is improve your health. Before the insurance company approves your application, they are going to require that you take a medical exam, unless you have chosen to purchase a no medical exam policy that will come at a higher premium. The results are going to dictate how much you pay every month. The two best ways that you can do that are by getting regular exercise and making healthier food choices.  Both of these can help you lose weight, lower your blood pressure, and reduce your chances of having severe health complications.

While a cardiac catheterization makes qualifying for life insurance more complicated, it doesn’t make it impossible. You just need to plan right.

To increase your chances, it helps to work with a professional. We are experts in the insurance market for applicants that had a cardiac catheterization. We can help you fill out your application and match you up with the best companies for your condition.

We are a group of independent insurance brokers, which means that we don’t work with one single insurance company. Unlike traditional agents, we represent dozens of highly rated companies across the nation, and we can bring all of the best plans directly to you.

For more information and free rate quotes, call or fill out our online quote application form today.

We know that shopping for life insurance is not a fun experience, but that’s why we are here to help. It’s our mission to ensure that you’re getting the best plan possible. If you have any questions about getting affordable insurance, please contact us today. You never know what’s going to happen tomorrow, which means that you shouldn’t wait another day to get the insurance plan that they deserve.

Not having life insurance is one of the worst mistakes that you could ever make. If something tragic were to happen to you, and you didn’t have life insurance, then your family would be responsible for all of those debts and final expenses. Losing someone that you love is never easy, but being stuck with a mountain of debt is going to make the situation that much worse.

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Life Insurance with Anemia

by Jeff Rose on September 21, 2017 · 0 comments

Life Insurance with Anemia If you are suffering from anemia, it’s going to make it harder to find life insurance.

However, many applicants with this condition are able to qualify for a good policy and so could you. In fact, regardless of your health or any pre-existing conditions that you have, there are several options for affordable life insurance protection.

When you apply, your rating will depend on the severity of your anemia, its cause, and how well you are treating your condition.

Depending on your situation, anemia might not affect your rating at all. To help get you prepared for your application, here are the life insurance guidelines for someone with anemia.

Life insurance is one of the most important purchases that you can ever make for your family members. I know that shopping for life insurance is not a fun task, but that’s why I’m here. It’s my job to ensure that you’re getting the best insurance plan for you and your family.

Life Insurance Underwriting for Anemia

When you apply for life insurance with (sickle cell) anemia, you should be prepared to answer several questions about your blood condition. Expect to answer:

  • When were you diagnosed with anemia?
  • What is the root cause of your anemia?
  • Have you ever had to go to the hospital because of your anemia?
  • Have you had any symptoms like headache, fatigue, or dizziness in the past 6 months?
  • What were the results of your last blood lab tests?
  • Are you currently taking iron supplements or any other medications for your condition?

Make sure to answer all these questions in complete detail. This is your chance to show that you have your anemia under control. If your application seems incomplete, your chances of getting a bad rating or rejection go way up.

The insurance company is also going to ask you dozens of questions about your overall health. Your anemia is only one of the factors that they are going to look at when deciding your insurance rates.

Regardless of your health or any pre-existing conditions that you have, like anemia, there is an insurance company that will give you affordable policy. Don’t let anemia keep you from getting the coverage that your family deserves.

Life Insurance Quotes with Anemia

When you apply for life insurance with anemia, your insurance rating primarily depends on the severity of your condition. Applicants that have their iron levels under control and aren’t anemic because of a more serious illness might be rated the same as someone without anemia. If an applicant’s anemia is more serious, it can become a bigger problem.

Insurers are also going to consider your overall health and your medical history when you apply. While each insurance company uses slightly different standards for anemia, here are the general underwriting guidelines to help you predict your rating.

  • Preferred Plus: Possible in very rare cases. It should have been two years since your last episode of symptoms and your blood levels should be normal. In addition, you should not have any other problems. Still, it’s difficult to qualify for the best possible rating with anemia because it still counts as a health risk.
  • Preferred: A bit more likely, but still rare, for applicants that don’t have any issues with their anemia and are in great health. Once again, your blood level needs to be under control and you should have any other health issues.
  • Standard: Most likely best rating for someone with anemia. Applicant should not have had any incidents in the past year, should have normal blood levels, and the anemia shouldn’t be caused by sickle cell anemia or aplastic anemia disease. Applicant should also be in decent health.
    Table Rating (substandard): Most likely rating for someone with anemia. Your rating will depend on the cause of your anemia (diseases are rated worse than something like pregnancy), your blood levels at the time, and your overall health. Applicants that have anemia because of sickle cell anemia or Crohn’s disease most likely won’t get anything better than a rated policy.
  • Declines: Applicants that have anemia because of aplastic anemia disease. Also, applicants that aren’t properly treating their anemia and have abnormal iron levels are likely to be declined.

Anemia Insurance Case Studies

When you have anemia, a good application can make a big difference for your rating. Here are a couple real life case studies that show the impact of smart planning.

Case Study: Female, 38 y/o, had anemia at 35 as a result of a pregnancy, took iron supplements and the condition is now under control

This applicant was diagnosed with anemia after being pregnant when she was 35. She followed her doctor’s orders diligently and regularly took her iron supplements. As a result, her anemia was under control and didn’t lead to any problems. However, when she applied for life insurance at 38, she only received a rated policy. We thought that insurers were paying too much attention to her past medical record of having anemia and weren’t considering her current good health. We recommended she see her doctor again and ask for a note vouching for her good health because of her lifestyle and medication. With this extra information, the applicant received a discounted, preferred policy.

Case Study #2: Male, 58 y/o, diagnosed with Sickle Cell Anemia at 55, applied for life insurance right away and was rejected.

When this applicant was diagnosed with sickle cell anemia at 55, he was in a rush to get life insurance. When he applied though, his application was rejected. This was because of a couple mistakes. First, the client applied too soon after his diagnosis; it would have been better to wait a couple years. Second, he hadn’t given the iron supplements enough time to take effect. At this point, we recommended the client take another blood test before applying to show his condition was in better shape. At this point, he received a rated life insurance policy.

Purchasing life insurance with anemia can be difficult, but it’s definitely possible for most applicants. We can help increase your chances. Our company specializes in finding life insurance for people with anemia. We’ll be able to match you up with companies that understand this condition and help you with your application.

Getting Cheaper Life Insurance

Life insurance is going to be one of the best purchases that you will ever make, but most people don’t buy life insurance because they assume that it’s going to be too expensive. There are several ways that you can secure better premiums and keep more money in your pocket.

The first thing that you should do is eliminate any tobacco that you currently use. If you’re listed as a tobacco smoker on your insurance application, then you should expect to get drastically higher rates for your insurance plan. In fact, smokers are going to pay at least twice as much for their insurance coverage versus what a non-smoker is going to pay for the same plan. If you want to save money, the best way to do that is to cut out the cigarettes once and for all.

Another way to save money is to improve your overall health. When you apply for insurance coverage, they are going to require that you take a medical exam, and the results of that exam are going to play an important role in how much you pay every month. If you want to save money, it’s time to get in better shape by getting regular exercise and making healthier diet choices. Both of these can help you lose weight, lower your blood pressure, and reduce your chances of being diagnosed with any other health complications.

Unlike a traditional insurance agency, we are a group of independent insurance brokers. That means that we don’t work with one single company. Instead, we work with dozens and dozens of highly rated companies across the nation. That means that we can bring all of the best insurance plans directly to you, without the hassle of having to call all of those agencies yourself.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait another day to get the insurance protection that your family deserves. Not having proper life insurance is one of the worst mistakes that you could make for your loved ones.

For more information and free rate quotes, call or fill out our Compare Quotes online application form today on the right edge of this page.

If you have any questions about getting affordable life insurance with anemia, please contact one of our experienced agents today. We would be happy to answer those questions and connect you with the best life insurance policy to meet your needs. Our agents have years of experience working with all kinds of high-risk applicants and we know which companies are going to give you the best rates for your plan.

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