Life Insurance after a heart attack
by Terry
How can I purchase life insurance after have a heart attack 9 years ago, but I also have 6 stents and a pacemaker/defibrillator. The stents were put in over 5 years ago along with the pacemaker. I keep getting turned down and don't know where to turn. I have not had any major illness or symptoms in over 5 years. Please help. Life insurance after a heart attackHi Terry, you need to go to an insurance broker that deals with a large number of carriers, including hard to place (guaranteed issue) insurers. A good broker will send in a trial application to carriers and receive a preliminary decision from underwriters. If they say no, then you don't apply there. If they say yes, it is not a guarantee but an invitation to formally apply. If you have been through this, a second option is a guaranteed to issue life insurance policy. The face value is usually fairly low (ie $25,000). Unfortunately it is tough to buy life insurance after major health problems. It's possible you won't be able to find coverage now. Your best bet is an experienced broker with lots of carriers. --- Ask another question at Life Insurance Questions Get a quote at: Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. Make sure you review the "please read" page. www.canada-insurance-source.com |