Life Insurance after a heart attack

Can I get affordable life insurance after a heart attack?

It is true that finding affordable life insurance after a heart attack is more difficult. However, if you work with an agency that is an expert in special  risk life insurance, your odds of finding affordable coverage increases.

Finding affordable life insurance after a heart attack is more of an art. The agent must have experience and knowledge of this niche area of medical underwriting in order to secure the best rate.

Your agent should negotiate on your behalf. A skilled agent can sometimes persuade an insurance company to offer a much better rate than a novice agent or an agent with no experience in this area.

Your agent works for you. Put him to work to find you the most affordable rate in the industry for life insurance after a heart attack. Be up front with your medical history.

Don’t leave anything out. If you exercise regularly, make sure your agent knows. The slightest details may help you save thousands of dollars over the life of your policy.

What exactly is a heart attack?

Let’s face it. Heart attacks are a leading cause of death in America. They typically result from blood vessel disease in the heart.

An infarction(heart attack) occurs as the blood supply to an area becomes totally blocked, usually as a result of coronary artery disease.

An area of partial blockage may clot or may rupture, causing an obstruction of the blood supply to the heart muscle. If the blood supply is cut off drastically or for a long time, the muscle suffers irreversible injury and dies.

Disability or death can result from this depending on how much heart muscle is damaged.

How are heart attacks diagnosed?

The diagnosis of  myocardial infarction is usually made by the presence of severe chest pain, EKG changes and elevated cardiac enzymes.

Silent heart attacks can occur when a patient has no knowledge that an attack occurred at some time in the past. These are fairly common, especially in diabetic, and may be noted on the EKG that is done during the insurance exam workup.

How are customers underwritten for life insurance after a heart attack?

For an insurance company that specializes in underwriting life insurance after a heart attack,  the following factors typically lead to a higher premium charge:

  • Younger ages
  • More than one heart attack
  • Had angioplasty or by-pass surgery
  • ongoing episodes of angina or chest pain
  • EKG changes
  • Diabetes history
  • Obesity
  • Uncontrolled hypertension or renal disease
  • decreased left ventricular function
  • degree of coronary disease
  • complications such as persistent arrhythmias
  • poor lipid control

On the flip side of the coin, individuals without the above factors and/or have a normal stress EKG (treadmill test) within the past year will offset the higher premium charge.

In most cases, an individual with favorable factors with a history of myocardial infarction can be issued a policy. The exact rating and cost is based on each individual applicant. Those individuals with one vessel disease, normal left ventricular function, and improved cardiac risk factors may be standard risk.

Following are a list of the typical questions and underwriter will need answered when evaluating life insurance after a heart attack:

  • Date of heart attack?
  • Have you had any of the following test or procedures completed? Echocardiogram, Coronary catherization, Coronary angioplasty, By-pass surgery, Heart failure, Arrhythmias?
  • Are you currently taking any medication (including aspirin)?
  • Have you had a follow-up stress test since the heart attack? If yes, was it normal?
  • Had any chest discomfort since heart attack?
  • Had any of the following: Abnormal lipid levels, overweight, high blood pressure, irregular heart beat, diabetes, peripheral heart disease, cerebrovascular or carotid disease?
  • Have you used tobacco in the last 5 years? If yes, what type?
  • Any other major health problems?

In addition to the questions above the following information will be needed to secure the best rate on life insurance after a heart attack:

Which insurance companies will underwrite life insurance after a heart attack?

As mentioned earlier, the number of insurance companies that will make the best offer for life insurance after a heart attack are limited.

This is a very special niche area of underwriting. Many of the big well known insurance companies are some of the worst companies to go to when looking for life insurance after a heart attack.

These are still great insurance companies, but they prefer not to underwrite aggressively on this particular type of risk. Insurance companies all evaluate risk differently. Some of the insurance companies that are in this specialty risk market include:

  • Prudential
  • Banner Life
  • North American Company for Life & Health
  • United Of Omaha
  • Transamerica
  • Lincoln National Life
  • American General Life
  • Principal National Life
  • Met Life

This is not an all inclusive list. There are other companies that may offer coverage based on small death benefit amounts or other factors.

Our expertise is in finding the right carrier that will give you the best chance at finding affordable rates for life insurance after a heart attack. This is all we do. We know the marketplace. We know the carriers to look at. Remember, if coverage cannot be found thru traditional underwriting, you may still qualify under a guaranteed issue program.

We know how to negotiate the best offer. We have over 30 years experience placing life insurance on individuals that have had pre-existing medical conditions.

If you are searching for life insurance after a heart attack and would like a free consultation, please contact us at 1-888-393-9003 or e-mail me at Thanks for reviewing this post.


For a FREE quote

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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

We work with individuals across the nation to secure the best life insurance rates.

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