Life insurance for coronary artery angioplasty

Look to a specialized agent for the strongest rates and coverage after heart stent surgery

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Qualifying for life insurance coverage after a coronary artery angioplasty is possible. But you’ll want to enlist the help of an agent that’s expert in working with a variety of carriers for a top chance at low rates.

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Can I get life insurance if I’ve had coronary artery angioplasty?

Yes. But if you apply too soon after your surgery, you might only qualify for substandard rates that come with high-risk policies.

By waiting for at least six months after your stent surgery, you may find more competitive rates and coverage.

Those rates and coverage depend on a series of factors an insurer considers in underwriting, like:

  • Your stability. Your underwriter will look at the age at which you underwent surgery, the surgery’s results and number of stents placed to determine the likelihood of more surgeries down the road. Generally, the prospect of future surgeries can spell higher rates.
  • Treatment and diagnostics. If you follow your doctor’s orders and medical plan — including routinely taking any drugs you’re prescribed to lower cholesterol and blood pressure — you’ll see a higher chance of approval. Insurance companies would rather work with those who are invested in managing their overall health.
  • Other medical conditions. Systemic issues beyond your surgery can compound risk for insurers, even if those issues occurred in the past. Often the more complicated your overall health, the more difficult it can be to find an insurer willing to approve you.
  • Lifestyle and habits. A healthy diet, commitment to exercise and avoidance of tobacco, alcohol and other drugs make for the best long-term outcome — which your policy depends on.

Compare life insurance providers

Name Product Issue Ages Minimum Coverage Maximum Coverage Medical Exam Required State Availability
25 - 60 years old
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
18 - 85 years old
Depends on provider and policy
All 50 states
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
18 - 60 (or 55 for smokers)
Lifefy is not available in the following states: Hawaii, Illinois, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, Oregon, Pennsylvania, Puerto Rico, Utah, Virginia, Washington
Offers quick, affordable Term and Guaranteed issue life insurance. Coverage up to $350,000. Only available in 38 states.
18 - 80 years old
Depends on provider and policy
All 50 states and D.C.
Get a quote within minutes from more than a dozen insurers.
JRC Life Insurance
20 - 80 years old
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
25 - 83 years old
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.
Leap Life
18 - 75 years old
Depends on provider and policy
Currently unavailable in New York
Apply for a simple instant-decision policy free of charge. Compare quotes from multiple A-rated carriers.
Globe Life
18 - 64+ years old
No – simple application
All states except New York
Simple application process with no medical exam and no waiting period. Pay $1 for the first month of coverage.

Compare up to 4 providers

What’s involved in a coronary artery angioplasty?

In simple terms, an angioplasty can improve your blood flow and reduce your chance of a heart attack by opening up blocked or narrowed arteries and veins.

Most surgeries involve the insertion of a wire through the narrowed artery, inflating a balloon in the blocked area to open up blood flow. After the balloon is deflated, a doctor may choose to insert a stent — a small mesh tube — to help keep your artery from blocking again.

Is coronary artery angioplasty considered a pre-existing condition?

Yes. But pre-existing conditions don’t automatically disqualify you from coverage.

A life insurance company evaluates your application to determine their risk in taking you on within three main categories:

  • Low risk. All signs point towards improved and robust health, despite your pre-existing condition, and you may qualify for standard rates.
  • Elevated risk. You’re likely to require future angioplasties or experience related health issues, resulting in more costly premiums.
  • Unacceptable. You may be denied standard coverage. Alternatives are guaranteed issue insurance that doesn’t require a medical exam, though at high rates with minimal benefits.

Bottom line

A medical history that includes coronary artery angioplasty won’t necessarily prevent you from life insurance approval. But it might limit your options, depending on your surgery’s success, the likelihood of future issues and your overall health.

Start your search with providers that specialize in people with pre-existing conditions to weight the scope of your options against your budget and needs.

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