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G. A. MacDonald Associates, Inc.

Financial Management & Insurance Services
2200 Lake Avenue, Suite 120, Fort Wayne, Indiana 46805
Phone: (260) 422-5377 Fax: (260) 423-6780 Toll-free: (877) 341-5377

Life Insurance for Heart Attacks

(Indiana & Ohio Residents Only)

Residents of other states - click here

   So, you've been told that you don't qualify for life insurance because you've had a heart attack.  I’m here to tell you that life coverage may be available, even if you've been declined in the past.

In Indiana and Ohio our agency provides affordable life insurance coverage for our clients with with heart disease. And it couldn't be easier to qualify because the application only has one medical question...

"Are you currently confined to a hospital or  hospice, or have you been told by a medical  practitioner that you have a terminal illness?"

"No"

This life insurance plan guarantees anyone aged 5 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by answering one simple medical question. No medical information or exam is required. The death benefit in years one to three is limited to a return of premiums paid in the first year, 50% in the second year and 100% in the third year and thereafter. The full face amount of the policy is payable in all years in case of accidental death.

Features

  • NO medical or physical exam - only one (1) health question
  • Premium is fully-paid in 20 years - Insurance coverage continues for life
  • Policy builds cash value
  • Provides a $10,000 or $25,000 life benefit for accidental death

Rates

Graded Death Benefit
Indiana & Ohio Whole Life Insurance Policy
20-Year Pay
INDIANA & OHIO
(Smoker & Non-Smoker)
Premium Rates *

$10,000 Life Benefit $25,000 Life Benefit
  Male Female Male Female
Age Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly
- For ages younger than 18, please visit this page -
18 $19.57 $59.60 $13.86 $42.21 $45.00 $137.07 $30.73 $93.61
19 19.98 60.87 14.15 43.12 46.04 140.25 31.47 95.86
20 20.42 62.20 14.46 44.04 47.13 143.56 32.23 98.18
21 20.87 63.57 14.76 44.97 48.26 147.01 32.99 100.50
22 21.32 64.95 15.08 45.92 49.39 150.45 33.78 102.89
23 21.80 66.41 15.41 46.93 50.59 154.10 34.60 105.40
24 22.29 67.89 15.74 47.94 51.81 157.81 35.43 107.92
25 22.79 69.40 16.08 48.97 53.05 161.58 36.28 110.51
26 23.34 71.10 16.63 50.67 54.44 165.82 37.67 114.75
27 23.92 72.85 17.21 52.42 55.88 170.20 39.11 119.12
28 24.52 74.68 17.80 54.22 57.38 174.77 40.59 123.62
29 25.14 76.59 18.43 56.13 58.94 179.54 42.15 128.39
30 25.80 78.57 19.08 58.11 60.57 184.51 43.78 133.36
31 26.47 80.61 19.76 60.18 62.25 189.61 45.48 138.53
32 27.17 82.76 20.46 62.33 64.01 194.97 47.24 143.90
33 27.90 84.99 21.19 64.55 65.84 200.54 49.07 149.46
34 28.65 87.26 21.95 66.86 67.71 206.24 50.96 155.22
35 29.43 89.65 22.74 69.27 69.67 212.20 52.94 161.25
36 30.64 93.33 23.58 71.82 72.69 221.41 55.03 167.61
37 31.91 97.20 24.46 74.49 75.86 231.08 57.22 174.30
38 33.23 101.23 25.37 77.27 79.17 241.15 59.51 181.26
39 34.62 105.44 26.33 80.19 82.63 251.68 61.90 188.55
40 36.07 109.87 27.32 83.21 86.26 262.75 64.38 196.10
41 37.58 114.45 28.36 86.39 90.02 274.21 66.99 204.05
42 39.16 119.28 29.45 89.70 93.98 286.27 69.71 212.33
43 40.80 124.29 30.59 93.17 98.09 298.79 72.56 221.01
44 42.52 129.51 31.78 96.80 102.38 311.84 75.54 230.09
45 44.31 134.96 33.02 100.57 106.86 325.49 78.63 239.49
For ages 46+ please contact Dave MacDonald

* Rates are current for 2009 and subject to change without notice. This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided. This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms.

** Monthly (EFT) - Bank draft from a checking account on the same day each month.

(Indiana & Ohio Residents Only)

For more information, please send an 
email to Dave MacDonald or call us:
Toll-free: (877) 341-5377
Local: (260) 422-5377

Residents of Other States

   Our agency is presently licensed to write this plan only in the State of Indiana. 

   We will be adding other states in the near future. Please email Dave MacDonald to inquire when your state may be added.


Heart Disease in the News...

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHYj1qigX9S9vxXBE0Dbi3SkKFhRwamp;url=http://triblocal.com/arlington-heights/2012/01/31/lincoln-middle-schoolers-fight-heart-attacks-with-pom-poms/img src=//nt3.ggpht.com/news/tbn/8yUNEhtFCQzs_M/6.jpg alt= border=1 width=80 height=80 /br /font size=-2TribLocal/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHYj1qigX9S9vxXBE0Dbi3SkKFhRwamp;url=http://triblocal.com/arlington-heights/2012/01/31/lincoln-middle-schoolers-fight-heart-attacks-with-pom-poms/bLincoln Middle schoolers fight bheart attacks/b with pom-poms/b/abr /font size=-1bfont color=#6f6f6fTribLocal/font/b/fontbr /font size=-1(Michelle Stoffel/Tribune ) The seventh- and eighth-grade pom squad at Lincoln Middle School wants to help women prevent bheart attacks/b and they#39;re doing it the best way they know how — with pompoms and dance. The squad is featured in a promotional b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGSrsIIpWEhIZZWY-IDVhwOOyWcDAamp;url=http://www.forbes.com/sites/melaniehaiken/2012/01/30/10-often-overlooked-signs-of-heart-attack-in-women-the-amas-viral-video-gets-it-right/10 Often-Missed Signs of Heart Attack in Women - Via A Viral Video/afont size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=drPhVM9CquxCS8Mb-ddcYtZgDM5fMamp;ned=usnobrball 2 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEE89uela5K26l1Xny24jeN8Kbkugamp;url=http://www.latimes.com/health/boostershots/la-heb-heart-disease-risk-factors-20120125,0,2565091.storyimg src=//nt3.ggpht.com/news/tbn/ZzvqFTS1l74upM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Los Angeles Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEE89uela5K26l1Xny24jeN8Kbkugamp;url=http://www.latimes.com/health/boostershots/la-heb-heart-disease-risk-factors-20120125,0,2565091.storybSmoking, diabetes increase risk of bheart attacks/b, strokes, death/b/abr /font size=-1bfont color=#6f6f6fLos Angeles Times/font/b/fontbr /font size=-1They#39;re called “risk factors” for a reason – people with high blood pressure, diabetes, high cholesterol and/or a smoking habit are much more likely to have bheart attacks/b, strokes and other manifestations of cardiovascular disease, including death./fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dcVuJNv0XuaK8WMamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGSsBN0tMyZjYb4QbQDchBv_iZt_gamp;url=http://well.blogs.nytimes.com/2012/01/12/heart-attacks-uncommon-during-marathons/img src=//nt1.ggpht.com/news/tbn/CeB8triob1SiKM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2New York Times (blog)/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGSsBN0tMyZjYb4QbQDchBv_iZt_gamp;url=http://well.blogs.nytimes.com/2012/01/12/heart-attacks-uncommon-during-marathons/bbHeart Attacks/b Uncommon During Marathons/b/abr /font size=-1bfont color=#6f6f6fNew York Times (blog)/font/b/fontbr /font size=-1By NICHOLAS BAKALAR About two million people participate in marathons or half marathons every year, and you might think that that kind of strenuous exercise involving so many people would lead to a lot of bheart attacks/b. But you would be wrong./fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGItp1IdTcyJZ2pami6S4MlCwVtpAamp;url=http://www.sci-tech-today.com/news/Marathoners-Have-Little-Heart-Risk/story.xhtml?story_id%3D030000MV2QO0Low Risk of Heart Incidents Found for Marathoners/afont size=-1 color=#6f6f6fnobrSci-Tech Today/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEE7enIZNXm5PjNDpE5KMSmo6kGLAamp;url=http://healthland.time.com/2012/01/12/running-marathons-wont-kill-you/Running Marathons Won#39;t Kill You/afont size=-1 color=#6f6f6fnobrTIME/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNG3SIE3RbU__qtOHIeeFjmgoHZGbwamp;url=http://thechart.blogs.cnn.com/2012/01/11/cardiac-arrest-during-road-races-exceedingly-rare/Cardiac arrest during road races exceedingly rare/afont size=-1 color=#6f6f6fnobrCNN (blog)/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHPvJatFvf7qQPfXDEoVpbmRaaDyQamp;url=http://www.mensfitness.com/training/lose-weight/study-marathon-running-is-safe-for-your-heartnobrMens Fitness/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNG9U8Tuk8PDEUvoYwBXBWd5zghCBwamp;url=http://health.lifegoesstrong.com/article/marathons-and-cardiac-arrestnobrLifeGoesStrong/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEcuGz7SgBEAbX8VCbIB-WeYCyWgwamp;url=http://www.allvoices.com/contributed-news/11282336-cardiac-arrest-rare-in-marathon-runningnobrallvoices/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=db0m2oRnHv7p_FM1ER7g0LvdjObmMamp;ned=usnobrball 246 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH_9X3AOPtrdEdogjTebr39fkGThQamp;url=http://www.google.com/hostednews/afp/article/ALeqM5jatST6aXv78wm3N2j69qpbJ-upvQ?docId%3DCNG.6f95bb32214a032dbf51a181cc84a51a.71img src=//nt1.ggpht.com/news/tbn/Id1EGiKVG2JcsM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2AFP/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGT4ERPMVKPIaZnyTSssjdK7AVs9wamp;url=http://yourlife.usatoday.com/health/healthyperspective/post/2012-01-10/heart-attacks-and-grief-nicotine-and-memory-exercise-and-alzheimers-acupuncture-and-migraines-statins-and-diabetes-penis-tattoo-/599879/1bbHeart attacks/b and grief, migraines and a bad tattoo/b/abr /font size=-1bfont color=#6f6f6fUSA TODAY/font/b/fontbr /font size=-1By Kim Painter, USA TODAY bHeart attacks/b and grief: The death of a loved one can dramatically raise your risk of a heart attack in the days and months after the loss, a new study shows. The risk is highest the day after the death, and is still elevated b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH_9X3AOPtrdEdogjTebr39fkGThQamp;url=http://www.google.com/hostednews/afp/article/ALeqM5jatST6aXv78wm3N2j69qpbJ-upvQ?docId%3DCNG.6f95bb32214a032dbf51a181cc84a51a.71Owning car, TV linked to bheart attacks/b: study/afont size=-1 color=#6f6f6fnobrAFP/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNElCALeH5QbieK4ZSVpabD8Jh1lvwamp;url=http://www.hindustantimes.com/Lifestyle/Wellness/Ways-to-reduce-risk-of-heart-attacks/Article1-795688.aspxWays to reduce risk of bheart attacks/b/afont size=-1 color=#6f6f6fnobrHindustan Times/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHpz_DawErsvV5JOYohs8M3nYisiwamp;url=http://www.thestatecolumn.com/health/grieving-spikes-risk-for-heart-attacks/Grieving spikes risk for bheart attacks/b/afont size=-1 color=#6f6f6fnobrThe State Column/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFtlHjOxhglAmGRXcbIgaJr4_jSwQamp;url=http://news.health.com/2012/01/09/grief-heart-attacks/nobrHealth.com/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dGLdyIh94M6FGzMjcbUoTMEp4DNYMamp;ned=usnobrball 426 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

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For general information e-mail: Dave MacDonald
G. A. MacDonald Associates, Inc.
Fort Wayne, Indiana

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