Life Insurance After a Heart Attack – Can I get Coverage?

Life insurance After a Heart Attack

Simple questionnaire to see if you might qualify !

Can you obtain a Life Insurance Policy after you have suffered a recent Heart Attack? Most carriers will want you to wait a specific time ( 1 to 2 years+. I do have some that will consider a 6 month time line.) before applying. Some will charge an additional Flat Extra  on top of the standard rate.

If you are working Full Time and/or have the ability to work Full Time then we may have a solution!

I have a carrier that you may be able to qualify with. It is a Graded Plan. A Graded Plan means the full Face Amount of the Policy will not be in force until year 4. The First three years pay back a fixed amount.

Here are the questions that are asked. You will notice that the first section covers questions that would allow you to apply for a  Whole Life ( Permanent ) Insurance while the second section covers their 10 Year Term Life Policy.

Graded Death Benefit

Whole Life – Issue Ages and Max Policy Amounts:
20-65 $100,000
66-75 $35,000
76-80 $25,000

Here are the questions:

If you answer “YES” to questions 1 and 2 and “NO” to questions 3 to 7, you are eligible for the Graded Death Benefit Plan.

1.   Do you currently reside legally in the United States?

2.   Are you currently employed and have you actively and continuously participated in the duties of your regular occupation on a full-time basis (at least 30 hours per week) for the past 6 months or if retired or  unemployed, are you physically and mentally capable of being employable on an active full time basis (at least30 hours per week)?.

3.   Have you been disabled for 30 days or longer during the previous 12 months and has said disability prevented  you from performing your normal duties or activities or are you currently receiving disability benefits?

4.   In the past 10 years have you had, been diagnosed by a member of the medical profession as having, or been  treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or tested positive for the antibodies to AIDS or Human Immunodeficiency Virus (HIV)?

5.   In the past 12 months have you been treated or been advised to seek treatment for internal cancer or malignant melanoma or have you been diagnosed as being terminally ill?

6.   Within the past 2 years have you used or are you currently using narcotics, amphetamines or any controlled  substance other than on the advice of a physician?

7.   Do you require any assistance with 2 or more of the following activities:  bathing dressing, toileting, indoor or  outdoor mobility, or eating or do you use oxygen for a medical condition?

Contact me today for a no obligation , no hassle and no pressure review and quote. You can call my number 512-963-5000. You can also fill out our Contact Request Form.