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


You may find life insurance companies that will cover clients who had open-heart surgery by working with an independent insurance agent. Some heart patients will still qualify for traditional life insurance policies while others may only purchase guaranteed issue life insurance or a policy that doesn't require a medical exam.

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UPDATED: 2022-07-22T12:10:37.528Z
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What You Should Know

  • After open-heart surgery, you may still qualify for traditional life insurance policies if your surgery is successful and you continue to follow your recovery treatments
  • Life insurance for open-heart surgery could cost up to 15%-20% more than average life insurance rates
  • If you do not qualify for traditional life insurance options, you may consider purchasing guaranteed issue life insurance or a policy that doesn't require a medical exam

If you have had open-heart surgery, you may be wondering how this will affect your life insurance options. In some cases, you may still qualify for life insurance, but you may need to spend some more time searching for a company that is willing to provide you with enough coverage at affordable rates.

Continue reading below if you want to learn more about life insurance companies that will cover clients that had open-heart surgery.

If you are looking to buy open-heart life insurance, enter your ZIP code into our free quote comparison tool above to get open-heart life insurance quotes quickly and easily.

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

After open-heart surgery, you may need to spend some time searching for a company that will cover someone who poses health risks. In some cases, you may need to search out a no-exam life insurance policy or another type of policy that doesn't require you to answer health questions.

Below are some companies that provide no-exam life insurance policies:

Company Type of Insurance Age Range Coverage Amount
Americo Term Up to 60 Up to $250,000
ANICO Term Up to 60 Up to $500,000
Assurity Term 18-65 Up to $350,000
Banner Life/William Penn Term 20-50 $100,000 - $1,000,000
Lincoln Financial Group Term Up to 60 Up to $1,000,000
Penn Mutual Term Up to 65 Up to $5,000,000
Principal Life Term Up to 60 Up to $1,000,000
Sagicor Term Up to 65 Up to $1,000,000
SBLI Term 18-60 Up to $500,000

Working with an independent insurance agent may be your best option for finding a policy that works for you at affordable rates.

How can I find an open-heart surgery life insurance company?

You still have many options regarding insurance coverage for open-heart surgery. However, some life insurance companies will have requirements that you must meet before they will approve your policy.

You may have to wait for a specified period before finding insurance. Many companies have a waiting period of at least six months following a surgery.

The life insurance company will also want to learn about the specifics of your operation. The number of blood vessels that were bypassed can indicate the severity of your condition, and the outcome of your surgery will be factored in when determining your coverage and rates.

It will be beneficial to ensure you are taking the right steps in your recovery. In the weeks following your open-heart surgery, you will need to complete exercise stress tests to ensure your cardiac health is improving.

You may also be advised to make lifestyle changes, such as quitting smoking, managing stress, exercising regularly, eating a healthy diet, and regulating your emotions.

Life insurance companies will also want to understand the other factors of your health as well. Your age and other health risks will be considered in your determination of coverage.

What is considered heart disease for life insurance? Insurance companies may differ in their definition of heart disease or what they consider to be acceptable for coverage. Therefore, working with an insurance agent may be the easiest way to find a company that will work with your condition.

How much does life insurance for heart patients cost?

Let's begin by taking a look at the average annual rates for term life insurance by age:

Age Average Annual Term Life Insurance Rates for Men Average Annual Term Life Insurance for Women
30 $225 $186
40 $336 $286
50 $839 $653
60 $2,364 $1,674
70 $9,298 $8,267

Now, let's look at the average annual rates for whole life insurance by age:

Age Average Annual Whole Life Insurance Rates for Men Average Annual Whole Life Insurance Rates for Women
30 $4,308 $3,802
40 $6,388 $5,467
50 $9,875 $8,347
60 $15,878 $13,487
70 $27,137 $23,678

If you qualify for traditional life insurance after open-heart surgery, you should expect to pay more than the rates listed above. Open-heart surgery life insurance rates are likely to be around 15%-20% more than average life insurance rates.

If you do not qualify for traditional life insurance, see the rates for a no-exam life insurance policy below:

Age & Gender Super Preferred Preferred Standard
Woman, 30 $202 $257 $527
Woman, 40 $327 $482 $912
Woman, 50 $667 $837 $2,042
Man, 30 $297 $387 $712
Man, 40 $462 $652 $1,257
Man, 50 $882 $1,137 $2,682

You should take time to compare rates from multiple providers and learn about what types of coverage you qualify for before buying a policy.

What heart life insurance options are available?

Depending on the success of your open-heart surgery and the severity of your heart condition, you may still qualify for traditional life insurance policies such as term life insurance or whole life insurance.

However, chances are that you are more likely to qualify for a policy that doesn't put as much emphasis on your health condition, such as guaranteed issue life insurance, no-exam life insurance, or final expense and burial insurance. Therefore, one of these options may be the best insurance for heart patients.

Guaranteed issue life insurance is a type of policy that guarantees acceptance. However, it generally costs more and has limited coverage. A no-exam life insurance policy is similar, except you are not guaranteed acceptance and could be denied based on other factors.

Final expense and burial insurance is a policy with smaller death benefits that are paid directly to a funeral home of your choosing to pay for the services you have selected.

If you're looking for congenital heart disease insurance, you may also still qualify for traditional insurance policies but with higher rates.

Should I buy guaranteed issue life insurance?

Guaranteed issue life insurance may be a good option for individuals who do not qualify for other types of life insurance, most often due to medical conditions. It provides a small death benefit that can be used for final expenses.

Guaranteed issue life insurance is easy to apply for and purchase, and you won't be required to complete a medical exam or answer health-related questions.

However, guaranteed issue life insurance only provides small death benefits that may range from around $10,000 to $25,000. Therefore, if you need more coverage, you may want to continue trying to get a different policy.

In comparison to the death benefit and other policy types, the rates are also very high. For these reasons, you may want to continue your search for affordable open-heart surgery life insurance from a company that will approve you for a traditional policy before purchasing a guaranteed life insurance policy.

Compare life insurance quotes for heart patients by entering your ZIP code into our free quote comparison tool below.

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