Life Insurance after Cardiac Catheterization

by Jeff Rose on September 22, 2017 · 0 comments

in High Risk Insurance

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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