Get coverage after heart attack, bypass surgery, or other cardiac conditions. We specialize in helping people with heart disease find affordable final expense insurance.
Coverage options available for all types of heart disease and cardiac conditions
Coverage available after heart attack, typically with waiting periods based on how recent the event was.
Coronary artery bypass surgery patients can qualify for coverage with appropriate waiting periods.
Patients with stents or angioplasty procedures often qualify for competitive rates.
Congestive heart failure patients can still obtain final expense coverage.
Heart rhythm disorders including atrial fibrillation and other arrhythmias.
Coverage for various other cardiac conditions and procedures.
Understanding when you can qualify for different types of coverage
Best Option: Guaranteed Acceptance
Immediately after a heart attack, surgery, or major cardiac event, guaranteed acceptance plans provide coverage with no health questions. Graded death benefit applies.
Best Option: Graded Benefit Plans
After initial recovery period, graded benefit plans become available. These offer better rates than guaranteed acceptance with minimal health questions.
Best Option: Level Benefit Plans
With full recovery and stable condition, level benefit plans with immediate full coverage may be available at the best rates.
What insurance companies consider when evaluating heart disease applications
The longer it's been since your heart attack, surgery, or diagnosis, the better your coverage options and rates will be.
Stable, controlled symptoms with no recent hospitalizations improve your chances for better coverage.
Taking prescribed medications as directed and following doctor's orders shows good management of your condition.
Positive changes like quitting smoking, exercise, and diet improvements can help with coverage approval.
For heart failure patients, a higher ejection fraction (above 40%) typically qualifies for better plan options.
Multiple heart attacks or procedures may limit options to graded benefit or guaranteed acceptance plans.
Don't let heart disease prevent you from protecting your family. We specialize in finding coverage for people with cardiac conditions.