Finding a life Insurance company who provides coverage for clients after angioplasty may seem troubling but don’t worry, it isn’t impossible at all. With the right agency behind you, you can find the best life insurance company with the best rates and quotes after angioplasty. If you stumbled across this article then you probably are looking to purchase a life insurance policy, but don’t know if you’ll qualify because you have had angioplasty to treat your heart disease and if this sounds like you then you have come to the right place! The following are some key points from this article;

1. If you didn’t already know, angioplasty is a procedure that one who has heart disease undergoes. Your heart’s arteries can become blocked from the buildup of cholesterol or cells and when this happens it can reduce blood flow to your heart and can cause your chest discomfort. If you have a blood clot it can get worse out of nowhere and lead you to have a heart attack. Angioplasty is a procedure that helps unblock your arteries and restore normal blood flow to your heart muscle.
2. In many cases, people get denied because they suffer from a long-term illness, but that’s not really the reason why. People get denied because most of the time they are not working with doctors to try and get their condition under control.
3. Another thing you should keep in mind is that many life insurance companies will increase their rates for those with illnesses that they do not specialize in. This is because as a high-risk client you have a higher probability of dying which is not just something made up, these are known facts based on the research done by actuaries of the company.
4. Before you schedule your medical exam you will have to apply for life insurance and when you apply your life insurance agent will ask you questions pertaining to your medical history. Life insurance agents ask these questions so that they can gather as much information about your situation as they can to assess your risk level. 
5. How much your premiums will cost each month is dependent on what health rating you receive.
6. We specialize in high-risk clients and we know which life insurance companies specialize in heart disease. Knowing this kind of information will only benefit you because if you purchase a life insurance policy from a company who doesn’t specialize in your condition you will be rated up (this is because the company doesn’t understand your condition) but if you work with a company who does understand your condition you will be rated fairly.
7. Did we forget to mention that we offer FREE services? Who doesn’t love FREE things? We will shop around for quotes with different high rated companies until we come across one that reflects your specific needs, health, and lifestyle. Not only will we find the best life insurance company for you but we will also fill out the necessary applications for you to obtain coverage.

First of all, what is angioplasty?

If you didn’t already know, angioplasty is a procedure that one who has heart disease undergoes. Your heart’s arteries can become blocked from the buildup of cholesterol or cells and when this happens it can reduce blood flow to your heart and can cause your chest discomfort. If you have a blood clot it can get worse out of nowhere and lead you to have a heart attack. Angioplasty is a procedure that helps unblock your arteries and restore normal blood flow to your heart muscle. This is not a major surgery because it is done using a catheter, which is a thin tube, through your leg or arm artery to your heart.  The procedure consists of having your artery opened by inflating a tiny balloon in it. There are different types of objects that the procedure can be done such as atherectomy, rotablation, a balloon, or a cutting balloon. With whichever tool the doctor decides to use will still accomplish the same goal, to unblock your blocked arteries.

Getting life insurance with angioplasty

In many cases, people get denied because they suffer from a long-term illness, but that’s not really the reason why. People get denied because most of the time they are not working with doctors to try and get their condition under control. We cannot stress the issue enough, in order for anyone who is considered a high-risk client to get life insurance they must work with doctors to try to get their condition under control. If you are already working with your physician then good for you, you are a step closer to getting life insurance. Chances are that if the life insurance companies see that your condition is being properly managed then there is a chance that you may attain a lower premium.

If you are not in constant contact with your physician and your health is not up to par where it should be then we recommend for you to get all your ducks lined up before trying to purchase a life insurance policy because once you get denied it will become harder to get life insurance. The best part about working with a physician is that if you are following all of their orders then your physician may vouch for you and help you get coverage, I mean who wouldn’t trust a physician? You should still be prepared to see higher premiums than those who don’t have illnesses because you have undergone a procedure due to heart artery blockage.

When speaking with your agent always be 100% honest about what procedures and treatments you have received. Your agent is there to help you as best as they can and they can’t help you if you lie or withhold health information because the insurance companies will find out all they need to know through your medical records and everything necessary to find as much as they can about you. This is nothing evil, it is in return to help them know that what they are investing in (you) is not built on lies.

Another thing you should keep in mind is that many life insurance companies will increase their rates for those with illnesses that they do not specialize in. This is because as a high-risk client you have a higher probability of dying which is not just something made up, these are known facts based on the research done by actuaries of the company.

What you will go through when you apply for life insurance

Unless you pick a no medical exam policy, which we don’t recommend for you to do, then you will more than likely have to undergo a physical examination. Before you schedule your medical exam you will have to apply for life insurance and when you apply your life insurance agent will ask you questions pertaining to your medical history. Life insurance agents ask these questions so that they can gather as much information about your situation as they can to assess your risk level.

It is better most times to work with an independent life insurance agency because life insurance companies hesitate before underwriting a life insurance policy for a high-risk client. There are perks to working with us such as our knowledge of the companies and their niches. If you have more serious health issues you should consider a final expense or burial insurance policy.

Underwriting Angioplasty

Once you apply for life insurance your agent will want to know a couple of things when it comes to your condition. Keep in mind that you should always be as honest and detailed as possible when telling your agent about your angioplasty. These questions will most likely be part of your underwriting process;

• What is the date of your angioplasty?
• What treatments were used before the angioplasty?
• What treatments were used after the angioplasty?
• Do you smoke?
• Do you drink alcohol?
• When was your diagnosis of heart disease?
• Have you ever had heart surgery?
• How many arteries were involved with the angioplasty?
• What is your diet and do you regularly exercise?
• Have you undergone any tests on your heart?
• If so, when and what were the results?
• Have you experienced restenosis (narrowing of an artery)?
• When was the last time you visited a cardiologist?
• What are your cholesterol levels?

How much will it cost?

How much your premiums will cost each month is dependent on what health rating you receive. There are different health ratings you can receive and we will provide that list below. If it has been more than 2 years since your angioplasty procedure then you may be given a “Mild Substandard” rating. This means you have passed the critical period where complications like swelling, infection, or bleeding that usually arise after the operation are absent.

• Preferred Plus– You are perfectly healthy, have no family history, and don’t partake in dangerous hobbies or occupations.
• Preferred– Overall perfectly healthy, have little to no family history, have an other than ideal build and other small factors that don’t qualify you for super ratings.
• Standard Plus– You have fairly good health, maybe have minor health issues that are completely under control, have a family history of bad health and have other than ideal build.
• Standard– You take multiple medications, have other than ideal build, and engage in dangerous hobbies or have a hazardous occupation and other risky factors.
• Substandard– This is a high-risk health class. It’s divided into 10 table ratings which each cause a 25% increase in premiums.

Ways you can get a better health rating

There are a couple of things you can do to better your health rating. The first thing you need to do is stop smoking if you smoke, you will receive a smoker rate and with that smoker rate, you will be looking at premiums 50%-60% higher than those without a smoker rate. If you are overweight you should get back into shape because the better your health is the better your health rating is. The best thing you can do for your heart is to walk, start walking around the block and before you know it you will feel better and end up loving your walks. Another thing you should do if you don’t already do so is eating healthy. Eating healthy is so important especially for those who have heart disease because it will only better your situation, so put down that juicy burger and pick up a salad! All of these pointers will help you get a better health rating so in return you will have lower premiums.

Work with us!

The best option for you is to work with an independent life insurance agency because it will only help you get better rates. This is because most independent life insurance agencies know quite a bit about life insurance companies and their niches. Here at InsureChance, we are an independent life insurance agency who work with over 60 top rated companies and have zero ties to any of them because our loyalty is reserved for our clients and only our clients. We specialize in high-risk clients and we know which life insurance companies specialize in heart disease. Knowing this kind of information will only benefit you because if you purchase a life insurance policy from a company who doesn’t specialize in your condition you will be rated up (this is because the company doesn’t understand your condition) but if you work with a company who does understand your condition you will be rated fairly. Did we forget to mention that we offer FREE services? Who doesn’t love FREE things? We will shop around for quotes with different high rated companies until we come across one that reflects your specific needs, health, and lifestyle. Not only will we find the best life insurance company for you but we will also fill out the necessary applications for you to obtain coverage. Don’t hesitate to call us today, we have been put into this world to make life insurance simple. Don’t DIY, do it yourself, when you have us around to do all the hard work for you so that you can spend more time with those who matter the most, your family.

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