disability insurance for people with heart disease
Heart disease can significantly affect disability insurance underwriting. The type of heart condition, treatment history, and current cardiac function all affect insurability. Many people with well-ma...
disability insurance for people with heart disease
Heart disease can significantly affect disability insurance underwriting. The type of heart condition, treatment history, and current cardiac function all affect insurability. Many people with well-managed heart conditions can still get disability insurance, often with a cardiovascular exclusion rider.
What You Need to Know
- Type and severity of heart condition affects insurability
- Cardiovascular exclusion rider is common — covers other causes of disability
- Time since cardiac event and current cardiac function are key factors
- An independent agent specializing in impaired risk can find the best carrier
- Group disability through an employer may have guaranteed issue regardless of health
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.