Term Life Insurance & Cardiovascular Disease

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Risk Issue:
Heart Disease includes such issues as heart attack and congestive heart failure. Conditions pertaining to the heart and blood vessels are aggregated under this area. Such high risk categories include heart murmurs, abnormal heart sounds and high blood pressure. Disorders include: Aoritic Insufficiency, Aortic Stenosis, Mitral Insufficiency, Mitrial Stenosis, Mitral Valve Prolapse, Pulmonary Insufficiency, Pulmonary stenosis, Tricuspid Insufficiency and Tricuspid Stenosis. Congenital heart abnormalities such as Septal Defect, Coarction of the Aorta, Patenet Ductus Arteriosus and Tetralogy of Fallot are also included.

Best Class:
It is not possible to accurately predict the classification without review of medical records. However, there is a range of premium guidelines for most histories from rejection to surcharges.

Important:
When individuals have health issues that make them uninsurable, the only policies available may be those without health questions called "guarantee issue life insurance" (click for more information).

Solutions:
1. Shop around as an insurance company may add a surcharge and surcharges vary from company to company.
2. Pay a surcharge for the risk. This may be unavoidable based on your history.

Note:
Term life insurance policies may not be available as companies may believe that only cash value plan will generate adequate premium for the contemplated risk.

Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. If we cannot quote online, we will respond by email with the probable underwriting action and premium range within two business days.

Need Help?
Make a no-obligation call to our quote desk to clarify your status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com

To speak with a licensed professional,

1-888-SEE-TERM

1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday

To speak with a licensed professional,
1-888-SEE-TERM
1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday

ChoiceQuote^SM Insurance Services, Inc. CA License #711831
900 Veterans Blvd., Suite 340, Redwood City, CA 94063
Fax 1-888-777.2004

Robert P. O'Leary, CLU is licensed agent in all states except AK and WY:
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