Quick answer · Heart attack history
Which life insurance fits someone with a heart attack history?
How long ago the heart attack happened is the deciding factor. Beyond about two years with stable follow-up, simplified issue whole life and even fully underwritten coverage are realistic; inside the first year, graded or guaranteed issue is the honest answer.
Which coverage paths can you discuss with a licensed agent?
- 1
Simplified issue whole life
Event was more than two years ago, no repeat procedures, and you want no exam.
- 2
Fully underwritten term or whole life
Several stable years, good cardiology follow-up, and a need for a large face amount.
- 3
Graded or guaranteed issue whole life
Event, stent or bypass within the last twelve months.
Which coverage limitations should you check?
Preferred pricing is off the table; expect a rating even with an excellent recovery.
When can life insurance coverage start?
Recent events usually mean a two-year benefit ramp; older events can be day-one full coverage.
Frequently asked questions
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions and product availability are set by each carrier and vary by state, age, and health history.