There are many different heart conditions that come into play when applying for life insurance. For example, if one has had 1-2 stents they still may qualify for a standard rate. If they had 1-2 stents with a heart attack involved it would be more tables. Below are a few quick examples of specific heart issues.
Abdominal Aortic Aneurysm – Policies will differ based on the severity of the aneurysm and any subsequent damage. Companies will also look for timeline of the incident and any other incidents.
Angioplasty Surgery – Policies will differ based on how recent the surgery was and what the outcome was. Companies look for successful recuperation and whether the patient is following doctor orders for recovery.
Aortic Valve Insufficiency – Life insurance companies will look at how long one has had the insufficiency, and how that disorder has led to other conditions, if applicable.
Aortic Valve Stenosis – With this condition, the policies available to someone are based on whether there are other risk factors, what medications are being taken, if there are other symptoms like heart palpitations or heart failure, as well as how long the disorder has been diagnosed.
Arrhythmia, Bradycardia or Tachycardia – Policies change based on the medical records, and companies will look into whether the patient has just one of these conditions or several, and the severity, and particularly whether the person will potentially need a pacemaker or surgery in the future.
Atrial Fibrillation (A-Fib) – This is not considered a life-threatening disease, but it can lead to conditions like stroke or heart disease. Life insurance companies will review when the condition was diagnosed, and if it is considered chronic.