Had a heart attack? You’re not alone—and you can still get life insurance without jumping through hoops. No-exam life insurance and final expense insurance give heart attack survivors fast, affordable coverage. Get a free quote now to see your options.
Can You Get Life Insurance After a Heart Attack?
Yes. Many carriers understand that a heart attack doesn’t define your future. No-exam life insurance policies let insurers evaluate your medical history instead of requiring invasive tests. This approach:
- Eliminates stressful medical exams
- Speeds up approval—often within days
- Focuses on your long-term heart health, not just a single snapshot
Request your quote today and secure coverage tailored to your situation.
Why No-Exam Life Insurance Matters Post-Heart Attack
No-exam policies allow insurers to review your records and prescriptions instead of testing your blood or doing a full medical exam. Benefits for heart attack survivors include:
- Fast approval, often within a week
- Simplified underwriting based on your history
- Peace of mind knowing coverage is in place
Best Life Insurance Options After a Heart Attack
Final Expense Insurance (Quickest Option)
- Coverage: $5,000–$25,000
- Permanent coverage with cash value growth
- Ideal for funeral costs, medical bills, and small debts
Get your final expense quote now—fast approval guaranteed.
Simplified Issue Whole Life Insurance
- Coverage: $25,000–$250,000
- No medical exam required, permanent coverage
- Good choice if you need more than funeral coverage
Guaranteed Issue Life Insurance
- Coverage: $5,000–$25,000
- Acceptance guaranteed, graded benefit period applies
- Option for recent heart attack survivors or high-risk applicants
How Your Heart Attack History Impacts Coverage
- Time since your heart attack: 2+ years of stability is ideal
- Severity & treatment: Single vs multiple stents or bypass surgery
- Current heart health: Good test results can reduce premiums
- Other health factors: Weight, blood pressure, diabetes, smoking, medications
Tip: Provide recent medical records to improve approval odds and rates. Talk to an agent today about what documents you need.
Cost Examples
Costs vary by age, health, and coverage. Typical monthly premiums for final expense coverage:
| Age | Coverage | Monthly Premium |
|---|---|---|
| 55 | $10,000 | $40–$50 |
| 65 | $10,000 | $60–$70 |
| 75 | $10,000 | $90–$100 |
Check your rate instantly to see exact pricing for your situation.
How to Get Approved
- Work with an independent agent who specializes in high-risk cases
- Be honest about your health history
- Provide recent medical records showing stability
- Follow your doctor’s treatment plan and maintain healthy habits
- Apply as soon as you’re medically stable to avoid coverage gaps
Start your application today and lock in coverage while rates are favorable.
No-Exam vs Traditional Life Insurance
| Feature | No-Exam Life Insurance | Traditional Life Insurance |
|---|---|---|
| Medical Exam Required? | No | Usually yes |
| Approval Time | Days | Weeks or longer |
| Coverage Amounts | $5,000–$50,000 | Higher (term or whole life) |
| Premiums | Higher on average | Lower if approved |
| Best For | Fast, guaranteed coverage | Larger coverage, low-risk applicants |
Watch Out For
- Graded benefits: Some policies have waiting periods before full death benefits
- Coverage limits: Final expense usually covers smaller amounts
- Higher premiums: Simplified underwriting can be more expensive than standard policies
Frequently Asked Questions
Can I get life insurance after a heart attack?
Yes. No-exam policies and final expense coverage make approval possible for heart attack survivors. Insurers review your medical history rather than requiring a full medical exam.
What is the best life insurance option for heart attack survivors?
Final expense insurance is ideal for smaller coverage and quick approval. Simplified issue whole life insurance works for larger, permanent coverage.
How soon after a heart attack can I apply?
Most insurers want stability for 3–12 months, but guaranteed issue policies allow immediate application.
How much does life insurance cost after a heart attack?
Final expense coverage usually starts around $40–$100 per month for $10,000, depending on age and health.
Will my policy cover another heart attack?
Yes. Once active and after any graded benefit period, death benefits cover heart attacks and other natural causes.
How can I improve my chances of approval?
Provide recent medical records, follow your doctor’s plan, maintain healthy habits, and work with an agent who specializes in high-risk life insurance.
Why Maple Valley Insurance Group Is Your Best Partner
- Experts in high-risk life insurance, including heart conditions
- Access to multiple carriers to maximize approval odds
- Transparent, no-pressure guidance to find the best coverage
Get Your Free No-Exam Life Insurance Quote Now—protect your loved ones and secure peace of mind today.