Life Insurance with a Stent

Is affordable life insurance with a stent available?

In order to find the most affordable life insurance with a stent you must use an agent who specializes in this type of business.

Not all life insurance agents and agencies are the same. Some agents only sell for one carrier, while other agents may only sell to people who are in excellent health.

An agent with experience in this specialized field of underwriting can save you much time, money an aggravation. You see there are very few life insurance companies that are truly in the special risk arena. And those companies can sometimes be hard to find if you don’t use an agent who is independent, knowledgeable and experienced in this field of risk.

How to find the right carrier for life insurance with a stent

Okay, so fortunately you have landed on this page. We are experts at knowing which carriers do the best job in underwriting this particular risk.

When underwriting (evaluating) someone for life insurance with a stent you need to know the questions that an underwriting company will ask.

And you need an agent who will go to bat for you and represent your case to the underwriter. Half the battle is selling the underwriter on accepting this risk and why you should be insurable at an affordable rate.

Questions the life insurance company will want answeredlife insurance with a stent

  • Date of birth?
  • Height/Weight?
  • Ever used tobacco?
  • Any family history of heart disease, diabetes, stroke, cancer, heart or kidney disease?
  • When and where was the stent put in?
  • What type of stent was put in?
  • Why was the stent put in?
  • How many vessels were involved?
  • Have you ever had a stress test done? If yes, what were the results?
  • What type of follow-up testing has been done and what were the results?
  • Was there a heart attack prior to the stent being put in?
  • Are you taking any medications? If so, what and how much?
  • Are there any other problems such as diabetes, cancer history, etc.

In addition to the above medical questions, the insurer will need to know how much protection you need and what type of plan of coverage you are looking for? ( Term or Permanent Protection)

Shopping for coverage

With the information above your agent can now find the best coverage available for life insurance with a stent. Your agent will now speak to the individual carriers that specialize in this type of coverage. They will gather quotes from each insurer. Once the quotes are gathered they will present you with the best options.

This method saves so much time. By your agent doing this on an informal basis there is no need to fill out a bunch of applications and do lab tests, etc. I mean why do this if a company is not going to offer you a policy. You should only apply to a carrier once you have a good idea of a tentative offer based on the medical information provided.

Another advantage to shopping your coverage informally is to keep your name out of the MIB database. The medical information bureau gathers information when you have applied for insurance and shares it with other insurance carriers.

You don’t want a bunch of pings on your MIB file mudding up the waters. This can keep you from getting a viable offer. Again, a lot of rookie or inexperienced agent make this mistake. They will have you just fill out a bunch of applications and hope one sticks. WRONG!!!


So, if you are ready to find out if affordable life insurance with a stent is available then call or email us for a free consultation. We have been helping people with pre-existing medical conditions since 1986 find the most affordable coverage in the marketplace. Call direct to 678-207-8160 or email


For a FREE quote

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

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

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 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.

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.

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 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.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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

- Shannon from Atlanta, GA.

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.

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.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

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

This entry was posted in Special Risk. Bookmark the permalink.

Leave A Reply