Yes, you can get life insurance after a heart attack, though the options, rates, and timing depend on several factors including how long ago the heart attack occurred, the severity, your current cardiac health, medications, and whether you have made lifestyle changes. Most carriers require a waiting period of at least one to two years after a heart attack before they will consider a fully underwritten application.
The waiting period allows carriers to assess your recovery and the stability of your cardiac health. During the first year after a heart attack, the risk of another cardiac event is highest, and most carriers will decline applications during this period. After one to two years, with evidence of stable cardiac health (normal stress test results, controlled blood pressure and cholesterol, cardiac rehabilitation completion, and medication compliance), many carriers will consider applications.
Rate classifications for post-heart-attack applicants typically range from Standard to Table 4 or higher, depending on the individual's specific cardiac profile. A single heart attack with full recovery, no ongoing symptoms, and well-controlled risk factors might qualify for Standard to Table 2 with a favorable carrier. Multiple heart attacks, ongoing angina, reduced ejection fraction, or additional risk factors (diabetes, smoking) typically result in higher table ratings or decline.
For individuals who cannot qualify for traditionally underwritten coverage, simplified issue and guaranteed issue products provide alternatives. Guaranteed issue life insurance requires no health questions and provides coverage (typically $5,000 to $25,000) with a graded death benefit. A licensed agent in our network can evaluate your cardiac history and identify carriers with the most favorable guidelines for heart attack survivors. All coverage is subject to underwriting approval.