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If you have had heart bypass surgery and need life insurance, les us help you get the life insurance you need.

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We are the impaired risk life insurance experts when it comes to getting life insurance for people who have had heart bypass.

Here's What We Do to Help You:

If you have had heart bypass surgery, it is important that you work with an impaired risk life insurance expert......because...

....if you don't, you will end up paying more money than you need to for your life insurance.

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Each life insurance company has its own set of life insurance underwriting guidelines.  Some life insurance companies are more aggressive with their life insurance offers for heart bypass history than other life insurance companies.

If you go to the wrong life insurance company, you will pay too much for life insurance or you may end up getting declined for life insurance.

This is where we can help you!

We work for you, not the life insurance companies!  There are many life insurance agents out there that represent only one life insurance company! 

We work with many life insurance companies in order to get you the best possible life insurance rates based on your heart bypass history.

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

The following may be helpful to you:

Heart Bypass underwriting, also known as CAD underwriting or

CABG - Coronary Artery Bypass Grafting underwriting. 

Heart Bypass is a life insurance underwriting issue that most impaired risk life insurance underwriters are well versed in. 

We work with the most competitive impaired risk life insurance companies.

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We understand heart bypass from a life insurance underwriting standpoint and know which impaired risk life insurance companies to work with in order to help you get the best possible life insurance rates.

What is Heart Bypass and how does Heart Bypass history affect my life insurance rates?

From a life insurance underwriting standpoint, heart bypass is a serious and complicated medical issue to work with. 

Life insurance underwriters are going to look at all of your medical records, heart procedures, follow-up tests such as heart stress tests, coronary artery angiograms, etc. 

Life insurance underwriters will want to know the number of vessels involved with the heart bypass.

We know the underwriting questions that life insurance underwriters will ask, but even more important, we know what impaired risk life insurance underwriters are looking for after heart bypass surgery!

Your lifestyle AFTER Heart Bypass is the Number 1 concern for life insurance underwriters.

Impaired risk life insurance underwriters are looking for the following health improvements after heart bypass:

• Diet - Are you eating the right foods, avoiding foods that are high in fat and likely to cause re-stenosis of your heart vessels?
• Weight Loss - If you were overweight, your heart works harder to pump blood.  Have you lost weight or are you on a weight loss program?
• Exercise - What steps are you taking to improve your health?  Are you exercising now?
• Medications - If you have been prescribed medication such as blood pressure medication or cholesterol medication, are you taking it?
• Smoking - If you smoked prior to heart bypass, you need to quit.  If you still smoke after heart bypass, you are wasting your time trying to get life insurance.
• Physician's Advice - Are you following your doctor's orders? Life insurance underwriters look at heart bypass records more closely than any other health condition. 
• If there are notes in your file indicating that you are not following doctor's orders, it becomes more difficult to get you life insurance.
   

We'll work with you to get your medical information in front of the most aggressive impaired risk life insurance companies.  We'll review your medical records to make sure there are no problems with them. 

We do this in order to put you in the best possible light with impaired risk life insurance underwriters....You only get one chance to make a first impression. 

Let us help you do it the right way and get the life insurance you need.

What to expect from Heart Bypass Life Insurance Underwriting:

Life insurance underwriters will want to know when you had heart bypass, the number of vessels involved.  Prior to having heart bypass, did you have a heart attack or other heart condition that resulted in the diagnosis requiring heart bypass....or was the heart bypass determined to be necessary as part of a cardiac workup? 

Life insurance underwriters want to see any heart echocardiograms performed, and heart stress tests, EKG's, etc.

After you have had heart bypass, life insurance companies want to see the follow-up tests such as a stress test.  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 lifestyle changes, the more favorable the outcome from a life insurance standpoint.

IMPORTANT TO NOTE about Heart Bypass:

We have a lot of clients that were 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 Heart Bypass is the "postpone" period. 

Many inexperienced insurance agents will rush their client back into underwriting immediately after Heart Bypass....that is a huge mistake, here's why...

With Heart Bypass, there are a number of complications that may develop such as atrial fibrillation, heart attack, myocardial infarction, hepatitis, stroke, depression, heart arrhythmias, clots, etc. 

It is extremely important to show positive test results and improvements from heart bypass surgery BEFORE applying for new life insurance. 

Typically, many life insurance companies will postpone underwriting you for a period of 6 months to 1 year, although there have been some instances where we have found life insurance for clients prior to the 6 month mark. 

Each life insurance case is different and we'll let you know the best way to handle your particular life insurance needs.

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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 heart bypass and need life insurance. 

Our first step is to shop your medical information on an informal basis to impaired risk life insurance companies.  This allows us to cover multiple life insurance companies for you without putting you through the application process upfront. 

Once we hear back from the life insurance companies, we will contact you to discuss what you can expect from underwriting in terms of price, postpone periods, 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.

If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible.  You will find more information here about health issues such as:

Alcohol Related, Angioplasty, Asthma, Bipolar, Blood Pressure, Build, Cancer, Crohn's, Depression, Diabetes, Family History, Heart Disease, Hepatitis, Liver Enzymes, Melanoma, Sleep Apnea, Tobacco Use, Ulcerative Colitis, and many more Impaired Risk Life Insurance topics.   

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