Can
I Get Life Insurance with a History of Angina?
In short, the likely answer is yes but there are
some factors within your control that can positively affect
your chances of getting a more favorable rate for life
insurance. The list below includes health and lifestyle
issues that if implemented will be evidence to the insurance
company that you are serious about your health and motivated
to live more healthy.
- If you are a smoker or tobacco user, quit! Smoking
greatly increases the risk of coronary heart disease
and is a leading cause of cardiac related deaths in the
US. If you continue to smoke with a diagnosis of angina,
you are likely to be declined for life insurance.
- Regular follow-up with your cardiologist is imperative.
Completion of suggested diagnostic tests such as a thallium
stress test, echocardiogram or ultra fast CT will provide
the insurance company crucial information on your condition
and its stability. Without adequate follow-up, most companies
will not consider making an offer.
- Normal blood pressure and cholesterol readings are
critical. Well controlled blood pressure and cholesterol
in many cases stabilizes angina and reduces your risk
of progression.
- Regular exercise makes a difference. Lack of exercise
is one of the main contributing factors of angina. Exercise
also helps to control weight and reduce stress levels.
If you have angina, make sure you follow your doctor’s
prescribed exercise program.
- Watch your weight. Obesity is a major risk factor for
those diagnosed with any heart related problem including
angina. If you are overweight, it is likely that the
insurance company will not look at your case as favorably
as if your weight was within normal limits.
- A low fat diet including fruits and vegetables will
improve overall health and has a positive impact on heart
health. A healthy diet will help in reducing blood pressure
and cholesterol thereby reducing the risk for angina.
- Provide a detailed cover letter from your physician
as well as a personal letter detailing your alcohol usage
history and rehabilitation.
- Be a nonsmoker. Smoking increases policy rates by up
to 70% without any alcohol history.
- No history of bankruptcy or other financial problems.
- Have a consistent marriage without divorce including
active involvement with children if present.
If you are a reformed alcohol user, there is a
good chance of getting a competitively priced life insurance
policy. The key is to be physically healthy and to provide
positive information regarding your character. Providing
clear-cut and encouraging information regarding your
health and lifestyle issues in many cases will allow
the insurance company to justify a better rate.
For more
information, contact MEG Financial at (877) 583-3955.
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