To be clear: I have never seen a term life insurance case placed at standard rates or better
after heart valve surgery of any kind.
An upgraded rider will cover a greater range of illnesses which may
add heart valve surgery, major burns, or major head trauma to the list of covered conditions.
After that,
heart valve surgery cases require additional work and documentation, so have your cardiologist's phone number close at hand.
What we've come to expect when working with folks who have had an
artificial heart valve surgery is that as long as everything appears to be in good working condition, and you are otherwise healthy, you should be able to qualify for what is considered a «table rated» insurance rate class.
It should give you a better idea of what life insurers look for when reviewing the application of a person
after heart valve surgery and what you can do to improve your chances at getting affordable life insurance.
Around 250,000
heart valve surgeries are performed every year.
Research Interests: Heart surgery, heart transplant, lung transplant, heart - lung transplantation, aortic valve surgery, coronary artery surgery, minimally invasive cardiac surgery,
heart valve surgery, removal of cardiac tumors, reoperation valve surgery
As the AHA explained,
heart valve surgeries are often ordered to restore a defective valve's function that's been compromised through damage or disease.
For those with serious issues, bypass or
heart valve surgery may be an option.
At Ogletree Financial Services, we have access to all the top life insurance companies and know which insurers to turn to with your unique risk profile, including
your heart valve surgery.
Under this rider, you can choose between two options; first option only covers 4 critical illnesses including heart attack, cancer, coronary artery bypass graft and stroke while the second option provides comprehensive protection against 25 critical illnesses such as chronic lung disease, apallic syndrome,
heart valve surgery, major head trauma etc..
After
heart valve surgery, what kind of rates can you expect?
Some forms of
heart valve surgery are minimally invasive procedures, but many are open - heart surgeries performed in a hospital setting.
This article is designed to help you understand life insurance and
heart valve surgery and how they relate to each other.
You will be able to receive better ratings with test results showing
the heart valve surgery success (and no complications).
DHFL Pramerica Traditional Critical Illness Rider: This Rider provides protection cover in case the Life Insured is diagnosed with / undergoes any of the 10 critical illnesses / conditions / surgeries namely Aorta Surgery, Blindness, Cancer, Coronary Artery Bypass Surgery, Heart Attack,
Heart Valve Surgery, Kidney Failure, Major Organ Transplant, Paralysis and Stroke.
The illnesses covered are: Heart Attack, Stroke, Cancer, End stage kidney failure, Major organ transplant, Coronary artery bypass surgery, Benign brain tumor,
Heart Valve Surgery, Motor Neuron Disease, Multiple Sclerosis, Coma, Paraplegia.