Life insurance for Heart Attacks

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?” If you answered “No,” keep reading.

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 Quarterly Monthly Quarterly Monthly Quarterly Monthly Quarterly
EFT ** EFT ** EFT ** EFT **
- 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)

Seguro de vida después de un ataque al corazón

 

Heart Disease News — ScienceDaily

Read current medical research on risk factors, causes and prevention of heart disease, strokes, and peripheral arterial disease. What new treatment options are under development?
Heart surgery outcomes for pediatric and congenital patients now online
Wednesday February 25th, 2015 04:40:58 PM

Continuing its commitment to increase public awareness and understanding of cardiothoracic surgical outcomes, The Society of Thoracic Surgeons has released the first publicly accessible national report of surgical outcomes from its Congenital Heart Surgery Database (CHSD).
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Wednesday February 25th, 2015 03:28:45 PM

A study on European children concludes that spending more than two hours a day in front of a screen increases the probability of high blood pressure by 30%. The article also points out that doing no daily physical activity or doing less than an hour a day increases this risk by 50%.
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Tuesday February 24th, 2015 04:29:19 PM

Among patients receiving antithrombotic therapy (to prevent the formation of blood clots) after a heart attack, the use of nonsteroidal anti-inflammatory drugs (NSAIDs) was associated with an increased risk of bleeding and events such as heart attack, stroke or cardiovascular death, even after short-term treatment, according to a study.
Preventing diabetic heart condition in mice by amplifying effect of exercise: Potential for benefits of exercise in a pill?
Tuesday February 24th, 2015 02:17:05 PM

Magnifying a benefit of exercise in mice provided a "profound" protection from diabetic cardiomyopathy, a potentially deadly heart condition that affects many people with diabetes. The discovery demonstrates the power of exercise to prevent chronic health conditions and suggests that one day some benefits of exercise may come in a pill or bottle.
Keep calm, anger can trigger a heart attack!
Tuesday February 24th, 2015 01:38:19 PM

The risk of a heart attack is 8.5 times higher in the two hours following a burst of intense anger, researchers have found after investigating the link between acute emotional triggers and high risk of severe cardiac episodes. High levels of anxiety were associated with a 9.5 fold increased risk of triggering a heart attack in the two hours after an anxiety episode.
Homeless people with mental illness have higher 30-year risk of serious cardiovascular disease, research finds
Tuesday February 24th, 2015 01:38:13 PM

Homeless people with mental disease have a greater than double risk of developing serious or fatal cardiovascular disease over 30 years than people of the same age and gender with no risk factors for the disease, new research has found.
The numbers are in: As many as two in three smokers will die from their habit, Australian study concludes
Tuesday February 24th, 2015 01:37:04 PM

A large-scale population study of 200,000 people puts tobacco death toll as high as two in every three smokers, scientists report. The research is the first evidence from a broad cross-section of the population to show the smoking-related death toll is as high as two thirds.