Life insurance after heart valve surgery

Is life insurance after heart valve surgery available?

Finding affordable life insurance after heart valve surgery can sometimes be difficult. But, if you know the secrets of the life insurance industry your search could be over.

You see, out of the over 1,000 life insurance companies in the United States, there are a handful of companies who specialize in underwriting certain medical conditions.

This type of underwriting in the industry is know as sub-standard risk life insurance. In other words, these carriers try to offer coverage to individual that may have pre-existing medical conditions like heart disease, diabetes, MS, post cancer.

In addition, not every carrier that specializes in sub-standard risk life insurance underwrites each condition the same. For instance, you may have one carrier that does a great job underwriting diabetes, but does a not so great job with heart cases.

The number one job of a good special risk life insurance broker is to find the company that best underwrites life insurance after heart valve surgery the best.

What company underwriters life insurance after heart valve surgery the best?

In order to shop the marketplace so to speak for carriers that underwriter life insurance after heart valve surgery the best you first need to find a special risk broker.

Fortunately, you have landed on this page. We are experts at finding coverage that other agents could not find. To start, the broker will need some general information in regards to your situation. Below are questions that need to be answered in order to start the process of finding you affordable life coverage.

Important questions to finding out if coverage is availablelife insurance after heart valve surgery

  • Male or Female
  • Date of Birth
  • Height/Weight
  • Any history of tobacco use
  • When was the surgery completed
  • What type of surgery was done? I.E. valve replacement, valvuloplasty, commissurotomy, other
  • What type of disorder? I.E. Aortic stenosis, Mitral stenosis, Mitral valve prolapse, Aortic insufficiency, Mitral insufficiency
  • What type of valve was used if replaced? I.E. Prosthetic (mechanical) Tissue (pig valve)
  • Have you had an recurring chest pain, heart failure, palpitations, dizziness or trouble breathing
  • Is there any history in addition to the valve disorder of coronary artery disease?
  • What medications are you taking if any?
  • Do you have any other medical history?
  • Is there any family history of heart disease, cancer, stroke, kidney disease?

In addition to the information above, it is also important to know the amount of protection needed and the type of coverage preferred? (Term or whole life)

Once your broker has the information above, they can then speak to the different underwriting companies and see what coverage might be available.

The process of having your broker shop the coverage without initially having to go thru a medical exam and completing an application is the smart thing to do. This keeps your record out of the medical information bureau.  

There is no reason to apply for life insurance coverage without knowing for sure if you have a reasonable good chance of being approved for coverage. This is the smart way to shop for coverage.

What if I get declined for life coverage?

As we mentioned, finding life insurance after heart valve surgery can be difficult and sometimes it is just not possible to get an offer for every prospect due to their medical history.

But, it is important to remember that if coverage thru traditional channels is not available all may not be lost. They may still be options for coverage thru guaranteed issue companies.

Guaranteed issue life insurance is offered without a medical exam or even health questions. There may be some qualifying questions such as do you work at least 20 hours per week or there could be some age restrictions, but oftentimes we can still find some coverage available. The amounts of coverage for guaranteed issue may be limited to $50,000 or $100,000 and depending on the state you reside in could sometimes be a problem if the plan is not approved in your state.


If you have a had heart valve surgery and want to see if you qualify, just give us a call at 678-207-8160 or email the owner at We will give you a free evaluation of your situation and find out if coverage is available.



For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
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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


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.

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.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

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

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.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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

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