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


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.

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.

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.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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.

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.

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.

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

- Shannon from Atlanta, GA.

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

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