The primary questions to be asked of a proposed insured who presents with heart disease history are:
- Age of onset or diagnosis? How long has it been/time since diagnosis?
- What is the specific cardiac issue(s)?
- How is it being treated? Are there good cardiac follow-ups?
- If they’ve had an MI, did they have CABG or PTCA? If so, how many vessels?
- Has recent cardiac testing been favorable? When was last Echo and/or EKG?
- Any family history of CAD?
- Any other significant health issues or impairments?
The underwriting of an applicant with heart disease is very dependent on the individual case, as well as what’s in the doctor's and cardiologist’s notes. Time passed since the event will also be a major factor.
Please contact us if you are interested in applying for life insurance but are concerned with heart disease.