Category

Heart Disease

Life Insurance after Cardiac Arrest

By | Heart Disease

For many Gen Xers like me (people in the mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984), having a healthy heart is a high priority in our lives as it should be. The late 30’s to the early 50’s is some of the most frenetic time in a person’s life with getting married, buying a house, having children, growing in a career, saving for retirement, starting a side business. There’s just a lot going on for Gen Xers, and often times our health in general—and heart health specifically—fades into the background. I’ve had a number of friends have seriously heart issues, and a couple die, so please take care of yourself. It’s not as complicated as you think. To keep your heart healthy, Gen Xers should develop the following habits:

  • “Eat Healthy,
  • Get Active,
  • Stay at a Healthy Weight,
  • Quit Smoking and stay away from secondhand smoke,
  • Control your cholesterol and blood pressure,
  • If you drink alcohol, only in moderation,
  • Manage stress” (credits here)

Ok, I’m off my soapbox.

This article entitled “Life Insurance after Cardiac Arrest” will discuss what cardiac arrest is, how it differs from a heart attack, and how cardiac arrest effects life insurance.

If you would like quotes for term life insurance from 20 A-rated life insurance companies, go the life insurance quoter here. You will be able to generate your own quotes in less than five minutes of your time. If you have had cardiac arrest, do not bother getting life insurance quotes on the quoter at the aforementioned link. Contact me directly at robert@weigelinsurance.com, (615) 525 6165, or contact me here, and I will generate the life insurance quotes for you.

So, what is Cardiac Arrest?

Cardiac Arrest is defined by the Mayo Clinic as the “sudden, unexpected loss of heart function, breathing and consciousness.”

Cardiac arrests are a result of the malfunctioning of the electrical systems of the heart which stops blood flow to the rest of your body. Cardiac arrests are often fatal.

The immediate cause of cardiac arrest is arrhythmia or an abnormality in your heart’s rhythm. Developing the habits as listed above to curb heart disease will go a long way in helping anyone to avoid cardiac arrest, but it can’t prevent cardiac arrest entirely. Defibrillators are the best life-saving tools to prevent death for those undergoing sudden cardiac arrest.

So, what’s the difference between having a Heart Attack and Cardiac Arrest?

Heart Attack and Cardiac Arrests are often two terms used interchangeably, but they are not the same thing.

As aforementioned, cardiac arrest is the sudden, unexpected loss of heart function, breathing and consciousness. Cardiac arrest is the result of a massive deviation in your heart’s electrical wiring, so to speak.

A heart attack, on the other hand, “occurs when a blocked artery prevents oxygen-rich blood from reaching a section of the heart. If the blocked artery is not reopened quickly, the part of the heart normally nourished by that artery begins to die” (credits here).

The main symptoms of cardiac arrest are the following:

  • loss of consciousness
  • unresponsiveness

The main symptoms of heart attack are the following:

  • tightness or pain in the chest, neck, back, arms
  • fatigue
  • abnormal heartbeat
  • anxiety

All in all, cardiac arrest is significantly more dangerous than a heart attack, just like a hurricane is much more dangerous than a tornado. Cardiac arrests are often fatal; heart attacks are not.

Both cardiac arrests and heart attacks are medical emergencies, nonetheless, and if you exhibit the symptoms of either, you need to go the hospital immediately.

So, what about life insurance after cardiac arrest?

Getting life insurance after cardiac arrest is difficult.

Traditionally-underwritten life insurance companies will more than likely deny you for life insurance because of the cardiac arrest. Even if it’s been years since the cardiac arrest, even if you are now in perfect health, you will more than likely be denied a traditional life insurance policy because of the cardiac arrest. This is my experience with life insurance applicants who have cardiac arrest on their medical record.

Therefore, I recommend that you apply for a Guaranteed Issue Life Insurance Policy from the start.

With Guaranteed Issue Life Insurance, you can not be denied the life insurance—all you have to do is apply for the policy, submit the application, pay the premium, and the guaranteed issue life insurance policy is in force. Again, you can not be denied life insurance under a guaranteed issue life insurance policy.

The three companies that I recommend that you get a guaranteed issue life insurance policy from are the following:

  • Gerber Life Insurance Company
  • American Home Life Insurance Company
  • Mutual of Omaha Life Insurance Company

I believe these companies all offer guaranteed issue graded benefit policies which means that if you pass away the first two years your policy is in force then your family will not get the full benefit—your beneficiaries will only get a refund of the amount of premium you paid in. After that two year period, your beneficiaries will get the full death benefit. For more information on guaranteed issue life insurance, read this article.

 

 

I hope this has been a helpful, overview article on what cardiac arrest is, the differences between cardiac arrest and heart attack, and how to get life insurance after cardiac arrest. The best bet in getting life insurance after cardiac arrest is going straight to a guaranteed issue life insurance policy like the ones offered by United Home Life Insurance Company, Mutual of Omaha Insurance Company, and Gerber Life Insurance Company.

If you have survived cardiac arrest and are interested in a Guaranteed Issue Life Insurance, call me at 615 525 6165, email me at robert@weigelinsurance.com, contact me here, or message me through Linkedin.com. Don’t bother generating your own life insurance quotes from the quoter on the home page of my website—most of those companies will deny an applicant who has had a cardiac arrest.

 

Until next time and until next life insurance article,

 

Robert Weigel

Life Insurance Agent for Generation X

www.weigelinsurance.com

robert@weigelinsurance.com