How to Get a Life Insurance After a Heart Attack

A heart attack is never good news for anyone. However, if there is any silver lining to it, then it is that you are reminded about the fragility of life and the need to secure your family’s future regardless of whether you are there or not to physically provide for them. This is where a life insurance can become a very handy investment; getting a life insurance after a heart attack is one great way to let your family know you have their best interest at heart.

Now, it bears mentioning that a life insurance policy opened after a heart attack will be a bit more expensive than your typical life insurance policy. This is because your recent heart attack is considered an additional risk that is best managed by a higher premium fee. Still, all things considered, you are better off having a life insurance after a heart attack than not having one at all.

The best thing that you can do is to talk to multiple insurance agents to see which one can give you the best offer. Remember; you can use the competitive nature of the industry to explore more options for yourself and your family. This is best done by exploring as many insurance quotes as possible and then picking the policy that offers the most comprehensive set of benefits for the most favorable pricing.

There are also other considerations that you want to keep in mind including the need to keep a thorough history of your medical files. There are plenty of “conditions” that can influence the final cost of a policy and in many cases you may be exempted from these “aggravating” circumstances. For example, a patient who has only had one heart attack will have a more favorable policy than someone who has had multiple attacks. You can also report how your lifestyle has changed following a heart attack and this can drastically improve your position for getting a life insurance policy. As another example, people who have actively tried to lose weight following a heart episode get lower policy quotes than those who remained at the same weight.

Getting a life insurance after a heart attack is possible and there are plenty of options available for doing it. Do your fair share of looking around for the best options and you should be able to find one that suits your needs and budget.

Comments: 11

  1. Huey April 8, 2013 at 1:54 pm

    I’ve got a question about saving a house from foreclosures.

    My divorced mother lately had cardiac arrest and it has been put in the hospital since The month of january. She’s a modest home in Houston. She’s receiving 60% disability from her insurance through her employer. Because of complications, she’ll be disabled for an additional 6-8 several weeks. Since I’m not capable of meet her mortgage additionally to mine, the other options are for sale to saving her house until she can return to work? Her 60% earnings is sufficient to meet various other obligations although not the mortgage. I’ve got a Energy of Attorney and approached the loan provider plus they virtually weren’t useful. Does anybody have ideas apart from selling the house? She’s 62 and lives alone.

    Interesting help.

    Comments: I am not having to pay charge cards and there’s no vehicle payment. Only utilities, the mortgage and insurance (home, auto and health). A home is not at risk right now to be in foreclosure process. I am attempting to keep it from ever dealing with that time. The house loan provider wasn’t useful and wouldn’t use me. Thanks.

  2. Lue April 23, 2013 at 1:51 pm

    I’ve had two recent cardiac arrest since August this season Body as recent as a week ago. After my first attack in August i needed to undergo angioplasty. Like me self-employed, i needed to return to act as soon and experienced another attack a week ago. The doctors have given me all obvious for now but have requested me to relax later on. Being self-employed, i can not pay the luxuary. Without having to be registered disabled, that we don’t believe my condition is, what are the benefits i possibly could avail to create my working existence a bit more easy?

  3. Abe May 2, 2013 at 9:16 pm

    19 years old boy has depression and anxiety and does not take his medication. He then does such things as visiting the er while he thinks he’s getting cardiac arrest, when it is really only a anxiety attack (doctors checked him out, sent him home, told him to determine his regular physician) and that he does not have medical health insurance. He comes over for supper and provides us a study on all of the horrible things happening in the existence and also the world generally and needs us to repair it.

    It’s driving us crazy!

  4. Roselyn June 17, 2013 at 2:02 pm

    I am married with two children and also have yet another in route (very in early stages within the pregnancy). I am 29yo, but my dad died of cardiac arrest as he was 39. I am getting trouble going the simple route… ie, online, and want top tips regarding how to choose someone.

  5. Chun August 6, 2013 at 8:27 am

    Example: Someone was getting a stroke or heart attack or medical emergency in the center of the road. And someone calls the ambulance. Once the ambulance come, may be the person permitted to refuse to go into because they do not wish to pay all of the bills. (ambulance ride, doctors, xrays etc)

  6. Earleen August 20, 2013 at 5:38 pm

    My pal doesn’t have insurance. She’d cardiac arrest and was Existence Flighted to some hospital in Shreveport LA. The balance for that helicopter ride was $26,600.00 Exist agencies that will help my pal using these bills? A healthcare facility has debt collectors threatening her.

  7. Slyvia August 26, 2013 at 7:58 am

    Wouldn’t it cover something similar to a stroke or heart attack?

  8. Morton October 19, 2013 at 10:44 pm

    How lengthy can cardiac arrest last before it kills you? My dad lately died after cardiac arrest. I am unsure if a person had reached him sooner if he’d be alive? I have heard lots of people have made it after cardiac arrest. Can some kill you within 5-fifteen minutes, or will it take an hour or so. I’m really concerned and I’m not going it to consume away at me. Appreciate your data this means a lot in my experience.

  9. Christian December 1, 2013 at 1:49 pm

    My buddy had cardiac arrest yesterday morning, and the troponin levels were 3 immediately upon reaching a healthcare facility, 10 a couple of hrs later, and 13 a couple of hrs next.

  10. Jeremiah December 3, 2013 at 2:21 pm

    of his mind. He was discovered at gf’s home she told homicide that they what food was in mall. Paramedics showed up to locate her hosing from the bloodstream from porch!! She was adamant to paramedics and hospital staff he was worrying of heart pains. I had been accepting that till I visited find his life insurance coverage policy He earned her beneficiary 7 days just before his dying I immediately known as a healthcare facility and required an autopsy works out he Was without cardiac arrest and that he did die from blunt pressure trauma. I understand within my heart she was using him for the money ( also, he had a few other lady buddies who Used to do get together with) I truly did not like her in the beginning however he’s a grownup. She required the cash lost her house and moved along with some guy she was seeing when she also was dating my father. My issue is the main one detective stated nothing can be achieved another stated take her to the court and sue civilly. things dont add available online for are lots of incongruencies in her own story

  11. Ranae June 20, 2014 at 10:24 pm

    I had been just watching a film and also the person required cardiac arrest and also the ER wouldn’t help him while he didn’t have insurance. Would hospitals do that to someone in tangible existence when they did not have insurance???

Leave a Reply

Your email address will not be published. Required fields are marked *