Life Insurance after Angioplasty: 

Have you had angioplasty?  We can help you get the term life insurance you need.

Angioplasty, also known as Percutaneous Transluminal Angioplasty (PTCA) has become so common in underwriting that most life insurance underwriters consider it a minor underwriting issue...and in many cases it may actually help improve your life insurance rates!

Angioplasty is the process of having a balloon like device inserted into your artery.  The device is advanced in your artery to the area where the artery is obstructed.  The device is expanded and compressed in your artery a number of times in order to dilate your artery and improve the blood flow.  A stent may be placed in this area of your artery to keep the artery open and the blood flowing.

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So, how does a history of Angioplasty affect your life insurance rates?

After all, this is about getting you the term life insurance you want at the best possible price based on your angioplasty history, right?

We understand angioplasty from a life insurance underwriting standpoint.  We know the concerns that life insurance underwriters have, and know the questions to ask you about your angioplasty history.  We do this in order to put you in the best possible light with the underwriters....You only get one chance to make a first impression.  Let us help you get the term life insurance you need.

What to expect from Angioplasty Life Insurance Underwriting:

Life insurance underwriters will want to know when you had angioplasty, how many vessels were involved.  Prior to having angioplasty, did you have a heart attack or other heart condition that resulted in the diagnosis requiring angioplasty....or was the clogged vessel discovered as part of a routine cardiac workup?

After you have had angioplasty, life insurance companies want to know if you have had a stress test done since the angioplasty.  Life insurance companies are also looking for lifestyle changes where necessary such as diet changes, weight loss, smoking cessation, exercise, etc..  The more positive the changes, the more favorable the outcome from a life insurance standpoint.

IMPORTANT TO NOTE about Angioplasty:

We get a lot of clients after they have been mishandled by the previous life insurance agent due to the agent's incompetence.  One of the most important things to remember about life insurance underwriting after angioplasty is the "postpone" period.  Many inexperienced agents will put their client back into underwriting within weeks of the angioplasty....that may be the biggest mistake, here's why...

With Angioplasty, there is a common occurrence of restenosis in the 30-50% range of all angioplasty cases.  With 30-50% of all angioplasty cases, the artery will constrict again, slowing the blood flow and the risk of more serious heart problems.  When an insurance agent puts their client into life insurance underwriting right after angioplasty, underwriters don't know yet if restenosis is going to happen...not enough time has passed!  You end up getting declined by life insurance companies simply because your agent doesn't know about underwriting...That's where we can help you.

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How We Help You get Life Insurance:

We know which life insurance companies to work with and which life insurance companies to avoid if you have a history of angioplasty and need life insurance. 

What we do upfront is gather your medical information from you and then shop that information out on an informal basis to multiple life insurance companies.  Once we hear back from those companies, we wil contact you to discuss what you can expect from underwriting in terms of price, etc..

There is never any obligation or pressure with our service.  We'll give you the information you need in order to make an informed decision about your life insurance.

Take a look at our health issues section or submit a Life Insurance Quote Request now in order to get a customized quote.

Whether you have a health issue or had one in the past and you're not sure if it will cost you more for your life insurance, we can help you.  We know the life insurance companies, we understand impaired risk life insurance underwriting, and know how to get you the most competitive life insurance rates available if you have less than perfect health. 

If you would rather discuss your life insurance needs, please submit our Contact Request or call us at:  Toll Free (800) 909-2040.  Thank you.

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