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How to Get Life Insurance After a Heart Attack


life insurance after a critical illness, it is not impossible. Many insurance companies will still consider insuring patients who have had life-threatening illnesses & diseases such as cancer, stroke, and heart attacks. Some companies even have a separate policy, called high-risk life insurance, designed for these types of patients. Regardless, here are a few tips on how to get life insurance if you've been diagnosed with a critical illness.

#1 – Be Honest With Insurance Companies Don’t try to hide your medical information from the insurance companies while applying for life insurance. They will probably require an exam or medical records anyways, so it won’t help your case to withhold information. It will only make them less likely to provide coverage.

#2 – Document Everything The insurance company will ask you a number of questions related to your illness, such as:

  1. What is the date of your diagnosis?

  2. What are the medical reasons for your heart attack

  3. How many times do you visit the doctor each year?

  4. Which treatments did your doctor recommend?

  5. Which treatments you have opted to receive?

  6. Has your condition improved since you were first diagnosed?

  7. Does your family have a history of your illness? Make sure that you document all doctor’s visits and make copies of records. It will be important to show proof of diagnoses, treatments, and procedures associated with your illness.

#3 – Reduce Factors That Could Lead to a Future Relapse Insurance companies will be more likely to extend a policy if you are taking measures to improve your health and reduce contributing factors to your illness.

  1. Comply with your doctor’s orders and any treatment options that they recommend.

  2. Make sure you are at a healthy BMI.

  3. Exercise regularly.

  4. Stop smoking and drinking alcohol.

  5. Take steps to reduce stress in your life. Then, have a doctor write a letter about your compliance and efforts to improve your health.

What You Can Expect Next

Have More Questions? Contact Our Glendale Insurance Agents Today! If you want to know more about taking out a life insurance policy after a critical illness, please call one of our insurance specialists at Cornerstone Preferred Insurance in Glendale. We can assist you with any of your insurance needs.

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