If you have angina pectoris or another form of cardiovascular disease, then you will need to know what to expect in terms of term life insurance pricing.
You will most likely be declined a traditional policy if you have angina pectoris and are under the age of 40. However, it is possible for you to get approved for a regular life insurance policy if you are over the age of 40.
Angina Pectoris and Life Insurance
If you think you’ll be declined or you’ve been rejected in the past, you don’t have to go without life insurance. There are still options for people with angina pectoris to get life insurance.
At Best Life Quote, we believe nobody should have to go without the life insurance coverage their family needs.
Life Insurance With Angina Pectoris If You Have A Normal Angiogram
If your angiogram results are normal, then you can expect to get a standard or normal underwriting for your life insurance policy.
This means height, weight, overall health, age and the coverage amount will be considered in your life insurance plan. You can use the quote form to compare rates. You can also read further to find out about the different types of angina and the underwriting terms you can expect.
Life Insurance With Prinzmetal
If your physician has diagnosed you with Prinzmetal, then you will most likely be able to get approved for life insurance.
We will ask questions about the following in order to help you get the best pricing:
- Smoking History
- Age
- Current Symptoms
- Medications
- Treatment
- Severity
- Date of Diagnosis
- EKG/Echocardiogram
- Blood Pressure
- Cholesterol Readings
- Other health conditions, such as diabetes, high cholesterol, and high blood pressure
- History of Arrhythmia, or irregular heartbeat
If you are following a treatment plan prescribed a cardiologist, then you will most likely see a Table rating of A-C.
You will need to fill out the contact us form so we can help you figure out the best way to get approved for life insurance.
Life Insurance with Angioneurotic Edema
Angioneurotic Edema, which is also known as Angioedema, is very similar to a Prinzmetal life insurance underwriting.
We will ask you questions about the type of tests you have undergone, the type of treatments you are using, and other health conditions you have.
If that is the only condition you have, then your expected table rating is A-C.
Life Insurance With Angioplasty
You might be able to obtain what is called a traditional life insurance policy if you have had an angioplasty; it means a fully underwritten offer after all medical results have been verified and reviewed.
Going through the underwriting means the application will take longer and you will have to jump through more hoops, but the plan will be more affordable.
When your application goes through underwriting, it requires a lot of info. All the information is going to determine if you get rejected or approved.
There are several factors which determine this such as:
- Age
- Date You Were Diagnosed
- Smoking History
- Blood pressure
- Cholesterol readings
- EKG Test Results
- Congestive Heart Failure
- Current Symptoms
- Severity
In addition to all these questions about your angioplasty, they will also ask the traditional questions they ask every applicant. Be prepared to answer about a hundred questions.
They will want to get as much info as possible about every area of your life. They will want to know what you do for work and what you do for fun. People with risky jobs or risky hobbies will have more problems getting life insurance.
Guaranteed Acceptance Life Insurance with Angina
If all else fails (hopefully it won’t), you can always use guaranteed acceptance life insurance as your safety net.
If you couldn’t figure it out from the name, guaranteed acceptance life insurance doesn’t decline anyone for coverage. As long as you have the money, you have life insurance.
With these policies, there is no medical exam or health questions. It’s simple and fast coverage. From start to finish, it won’t take more than 30 mins.
Before you rush out to buy one of these plans, hold up. We have to tell you the dirty side of guaranteed plans.
First of all, they aren’t the most effective investment for your insurance money. You’ll get a better value per premium dollar with a standard term plan.
Secondly, is the coverage itself. If you buy a term policy, you can get an almost unlimited amount of coverage. Some carriers have different limits, but they could be millions of dollars.
With guaranteed acceptance, you don’t have this freedom. Most plans will be capped at around $25,000 in coverage. For most families needs, this won’t be ANYWHERE near enough.
If you’re in your 40s, your life insurance needs could be in the ballpark of $1 million dollars or more. Yep, that’s right. You might need a $1 million or more in life insurance.
Before you resort to a guaranteed acceptance policy, you will need to explore all of your options.
Life Insurance With Ankylosing Spondylitis
In a perfect world, assuming no other issues of any kind, you will be approved for a range of Table A-C Health rating for life insurance or standard if you have this condition, but your approval is contingent upon the severity of your condition.
There are a lot of simple steps you can take as an applicant to greatly increase your chances of being approved. If you want life insurance, you need to make your application as attractive as possible.
Your angina diagnosis is only a part of your overall application. If you can improve the rest of the application, you can grab better premiums.
Standard things like getting more exercise or scheduling regular doctors visits are easy ways you can improve your chances of being approved. Now, these things aren’t going to completely counteract your health problems.
How to Get Coverage with Angina
How are we different than the dozens of other insurance agents you’ve talked to? We aren’t restricted to one carrier. We are free agents. We can give you quotes and plans for dozens of companies at once.
You don’t have to pay to partner with our agents. We will help you for free.
We aren’t just random people at a call-center who want to get you in and out as quickly as possible. We will take the time to get to know you and your needs before we run quotes and give you advice.
We’ve helped thousands of clients over the years. We’ve seen clients with just about every type of condition known to man. You won’t be in any situation we haven’t seen before.
