How Having a Heart Attack May Impact Your Life Insurance Policy


There are multiple variables that impact life insurance policies. Insurers assess both present and future risks. Heart disease is a common issue that many insurance companies are aware of. Research shows that thousands of people die every year due to heart failure. The number of patients admitted to the hospital because of a serious heart condition continues to rise every year as well. If you have a history of heart problems, you may be concerned about your life insurance policy. Here’s a closer look at the link between life insurance and heart attacks.

Does Your Life Insurance Cover a Heart Attack?

Your life insurance policy should cover you if you have a heart attack if you passed an exam and answered all of the questions on your application truthfully. If you weren’t upfront about potential heart complications, your claim might be denied. In some cases, you may be required to switch to a different type of life insurance policy if you have suffered a heart attack. The insurance company will inquire about any previous heart issues and whether you have been in stable condition for the last few years.

What If I’m Applying for Life Insurance?

When you are applying for life insurance, the insurance company may ask you some screening questions, such as whether you had a heart attack in the past or if your family has a history of heart problems. In extreme cases, your life insurance policy may be denied based on the answers you provide. However, your rates may be adjusted in most cases, or the insurance company will recommend an alternative policy. If you aren’t sure how to answer a question, it’s recommended that you ask the insurance company for clarification. If you purposely record false information on your life insurance policy, that could threaten your eligibility to obtain life insurance in the future.

Guaranteed life insurance should be an option even if you have heart issues. However, there are some potential drawbacks. Guaranteed life insurance policies have high rates, and you’ll have a longer grace period before you can file a claim. Traditional life insurance and simplified life insurance policies are other possible options.

What About an Accidental Death?

If you pass away from a heart attack, accidental death insurance will not cover the claim. Accidental death life insurance covers you if you are killed in a car accident or another type of disaster. A heart attack would be classified as a health-related death instead of an accident.

What If I Had a Heart Transplant?

You should still qualify for life insurance even if you underwent a heart transplant. The insurance company will assess how far back your heart transplant surgery was and if you have recovered. If your heart transplant happened more than ten years ago, you might be approved for a traditional life insurance policy. If you’ve recently had a transplant, your options may be limited, but you should be able to find coverage.

Consult With Jack Stone Insurance Agency

There is a direct correlation between life insurance and heart attacks. If you’re worried about getting insured if you have heart issues, you can still find a policy to cover you. If you have any questions, contact our team here at Jack Stone Insurance Agency, and we will assist you.



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