If you are need to buy life insurance and you have heart disease, then you should know that some carriers will offer you better rates than others. Some people who have heart disease fear that they won’t be able to get any life insurance or they worry about paying extremely high rates. It all depends on how extensive your heart disease is and how well you are managing it. For example, if you’ve had a one vessel stint or a bypass without a prior heart attack, then you can actually qualify for standard rates with some carriers. If you’ve had a heart attack or had a bypass or multiple stint surgery, then life insurance carriers will “rate” you, meaning you’ll pay a higher premium. Some carriers will charge you 25%, 50%, or 100% more than a standard rating. Other carriers might simply decline you.

Although you can’t turn back the hands of time and prevent your heart disease, you can make some lifestyle changes to get your heart in better health. This includes eating better, exercising, and taking medication that your doctor recommends. These types of things can be noted on your life insurance application and some underwriters will take it into account when deciding on a rate for you.

It’s worth it to shop around to find out which carriers will offer you the best rates. Although heart disease will disqualify you for preferred rates, in some cases you can still qualify for standard or regular rates. Make sure you deal with an agent who works with multiple companies and be upfront with them about your heart disease including any surgery you’ve had and prescriptions you currently take. Get a free quote today to compare rates for your unique health situation.