Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like stent surgery. Many insurance companies decline stent surgery coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.
When you have had stent surgery, it may change how you feel about having insurance and protecting yourself and your family. However, finding the right life insurance company that will look at your case with leniency can be very difficult. You may have heard that you can’t get a good health classification or that you may even be declined because of your surgery.
However, life insurance companies all view health conditions differently, and there are numerous factors involved in determining your rating class. We are experienced in gathering pertinent information to help portray your condition in the best light to insurance companies. From there, we are familiar with which companies are more willing to offer better rates to people who other companies may consider “high-risk” applicants.
We have high-risk experts on our team who can help you shop through all your life insurance options to help you find your best rate.
Although stent surgery is a routine procedure, all life insurance companies demand that you wait six months before you apply for coverage. They do this to ensure there are no post-surgery complications.
If you wait the six months, have one stent, and no complications, you should be able to obtain a standard rate. This chance gets better the more time you wait after the surgery but varies on a company to company basis.
If you have more than one stent and have had other complications like a heart attack, you will likely be facing substandard rates. These rates are called table ratings, and will also vary based on the insurance company.
Furthermore, you may be able to obtain life insurance without taking a medical exam if your surgery was over five years ago.
In order to find the company that will work best for your needs, this is the information we would need:
- How many stents have you had placed?
- Was there anything that triggered the need for stents, such as a heart attack or stroke?
- Currently, what is your ejection fraction?
- What is the date the stents were put in?
- What medications have you been prescribed?
- What were the results of your last stress test and what was the date of the test?
- Have you made any beneficial changes to your lifestyle since the surgery, such as quitting smoking or embarking on an exercise plan or fitness regime?
- Have you had any chest pains since the surgery?
Not all agents don’t look into the specificities of your case, so they’re not getting an accurate estimate of your insurance rates. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options.
Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.