A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Dec 8, 2021

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Don't Miss These Facts

  • While it is considered a risk, it’s not difficult to find life insurance after open-heart surgery
  • Your insurance rates will depend on factors like what your surgery was for and how long ago you had it
  • If standard insurance policies are too expensive, you can apply for guaranteed or simplified issue insurance for immediate coverage

Having a heart condition that requires surgery is scary, and recovering from it takes a certain level of toughness.

Facing open-heart surgery might also get you thinking about your own mortality. A common reaction to this is to think about getting life insurance. However, finding life insurance companies that will cover clients that had open heart surgery can be a challenge.

This is because life insurance companies consider risk factors when deciding if they should insure you. These factors include your health, gender, age, and job.

When you’re ready to find affordable life insurance companies that will cover clients that had open-heart surgery, the best thing you can do is shop around for rates. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool.

Life Insurance Companies That Will Cover Clients That Had Open-Heart Surgery

You might think that getting life insurance after heart bypass surgery is difficult, since insurance companies will most likely look at the procedure as a risk. However, it’s not as difficult as you might think.

Life insurance companies still consider open heart surgery risky, but recent technological advances make the prospect a lot less dangerous. Additionally, open-heart surgery can improve your health and enable you to live a longer, more active life.

If you already have a life insurance policy, heart issues do not affect your coverage. Medical complications do not change the price of your insurance.

Finding new life insurance for heart patients can be a little trickier. No matter how successful the surgery was or how long ago it happened, a life insurance company will undoubtedly consider you a higher risk.

Standard life insurance policies (term and whole life) conduct thorough examinations before they insure you.

While there are many companies that offer insurance for open heart surgery patients, some simply do not. However, if you come across a life insurance company that won’t cover you after surgery, rest assured that you will find one that will.

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Best Insurance for Heart Patients

While most companies offer some form of coverage for heart surgery patients, some rise above the others as the best. When you need life insurance coverage, you should consider the following first.

CompanyInsurance TypesA.M. Best Rating
Lincoln FinancialTerm, universal, variableA+
Protective LifeTerm, whole, universal, variable A+
Banner LifeTerm, universalA+
AIGTerm, whole, universalA+
Mutual of OmahaTerm, whole, universal, indexed universalA+
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The most important thing to do if you have had open-heart surgery is to compare quotes. As you can see from the graph above, life insurance companies treat health risks differently. An agent can help you find the best quotes using your unique circumstances.

What heart conditions are considered risky by life insurance companies?

In the US, more than 18 million adults live with coronary artery disease, which often leads to heart attacks or open-heart surgery.

Since your heart is integral to your overall health, life insurance companies consider any heart condition a risk factor. While all heart conditions are regarded as risks, each situation is treated differently according to its severity.

Arrhythmia is an irregular heartbeat caused by electrical misfires. This condition is usually minor, but it can pose a risk of more serious complications.

Heart bypass surgery redirects blood around a blockage in the heart. This surgery fixes a serious problem that would otherwise have killed you. Insurance companies are likely to think you might need future bypass surgery, and so consider you a higher risk.

Atrial fibrillation is similar to arrhythmia, but it is a much more serious condition. This can lead to strokes, blood clots, and heart failure, so, understandably, a life insurance company would consider this a risk.

Coronary angiography is a procedure to view the vessels in your heart with x-rays. While the procedure isn’t necessarily risky, life insurance companies will consider you at a higher risk because you had one ordered.

Coronary artery disease is a build-up of plaque in your arteries which can eventually lead to a heart attack. The location of your build-up determines when you’ll need surgery to correct it, but it generally lays in the field of 50% to 75% blockage.

Condition10 year, $250,00020 year, $250,000
Coronary Angiography$114$161
Heart Bypass$140$173
Atrial Fibrillation$158$282
Coronary Artery Disease$98$127
Arrhythmia$34$55
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Unfortunately, you will pay more for life insurance if you have a heart condition that will require surgery.

Life Insurance for People That Already Had Open Heart Surgery

Even the best insurance for heart patients will cost more, but several factors determine exactly how much you’ll pay for your insurance. These factors include:

  • When you were diagnosed with a heart problem
  • When you had surgery
  • How many complications you experienced
  • How often your doctor re-examines you
  • What medications you take
  • Your age
  • Your general health

If you’ve managed your health well and had no other complications since your surgery, you may qualify for standard rates from companies like AIG, Prudential, and Lincoln Financial. However, if you haven’t fully recovered or have other issues, you will likely receive a table rating.

Insurance companies generally use ratings to determine your insurance rates. The higher you are on the table, the less you’ll pay. If you go below the standard ratings, you’ll receive a table rating. Table ratings are usually numbered or lettered, and they denote additional risks for the company.

Preferred PlusYou are in excellent health with no family history of medical issues
PreferredYou are in excellent health with a minor issue, like high cholesterol
Standard PlusYou are in good health with a few issues that can be managed
StandardYou are in average health with a few issues that might become concerning in the future
Smoker PlusYou are in excellent health, aside from tobacco use
Standard smokerYou are in good or average health and use tobacco
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You can expect to pay about 25% more for your monthly rate for each rating you go down. This means that if a “preferred select” applicant would pay $100, a standard applicant would pay $150.

You can expect that you’ll pay higher rates with life insurance companies that will cover clients that had open-heart surgery.

What should you do if your life insurance application is rejected?

If your application happens to be rejected, don’t take it too personally. Life insurance for heart failure patients and anyone else struggling with a heart condition can be a little challenging to find.

If your application has been rejected, try the following steps:

  1. Talk to the company that rejected you. Find out why they denied the application; it might be for more than one reason. If you want to find coverage in the future, you need to understand why you were rejected in the first place.
  2. Improve your lifestyle. Use the information you got from the company to improve your odds of getting insurance. You can eat healthier, exercise, or lose weight. Show the company that you’ve made changes after a year, and you might be approved.
  3. Explore other insurers. The company that rejected you isn’t the only option out there. If you’ve been denied, consider a different company.
  4. Ask your employer about group life insurance. While the coverage is usually only enough to cover funeral expenses, it’s better than nothing.
  5. Wait it out. If the only reason you’ve been rejected is that you recently had heart surgery, try applying again in a year.

Consider a guaranteed or simplified issue policy if you simply cannot find a standard life insurance policy. These policies offer much lower coverage and are usually more expensive. However, they do not require a medical exam and accept people for things like open-heart surgery.

If you need insurance immediately, guaranteed or simplified issue can make sure you are covered.

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Find Insurance After Open-Heart Surgery

Facing down open-heart surgery and coming through it is no easy task. When you make it through, it’s easy to understand why life insurance might be on your mind.

If you’re ready to find quotes from life insurance companies that will cover clients that had open-heart surgery, you should start shopping around. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.