Best Life Insurance Companies That Don’t Ask About Heart Disease (2022)

People with heart disease can get life insurance, as long as they provide their medical history to an insurer. While there are no life insurance companies that don't ask about heart disease, a company will charge a higher rate than it would to a healthy person. The rate you pay will vary according to if your condition is well managed or how long it’s been since you’ve been diagnosed. Comparing rates from different life insurance companies that ask about heart disease can get you a better deal.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 13, 2022

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The Highlights

  • You can get affordable life insurance regardless of health issues, and this includes heart disease
  • If you buy life insurance after a heart disease diagnosis, you will pay more than someone who’s healthy
  • Term life insurance is a popular choice for people with this diagnosis
  • Applying for life insurance requires you to disclose all health issues to the insurer and provide a medical exam

For people with heart disease, a big worry is if they can get life insurance with pre-existing conditions. The risk being that some companies will not want to insure someone with pre-existing medical conditions. Are you searching for life insurance companies that don’t ask about heart disease?

There’s no need to worry.

Shopping around for the right insurance provider can be done once you know what to look for. In fact, some life insurance companies will work with consumers to offer tailored policies for those with heart disease.

This guide will help you choose the right company and type of life insurance plan for you. Having resources, whether in person or online, can help lead you to the type of policy you need while minimizing the amount of stress attached to insurance shopping. 

You don’t have to wait to get life insurance quotes from life insurance companies that don’t ask about heart disease. Use our free tool and enter your ZIP code to find affordable life insurance for heart disease sufferers today.

What companies offer the best life insurance for people with heart disease?

In general, many companies will offer you life insurance for heart patients. However, to get life insurance, you must disclose information about your health to the insurer. That includes if you have heart disease, or anyone else you’re shopping for has a history of heart disease. Unfortunately this does mean you’ll have to be more selective of where you shop for policy options. 

The good news is, you won’t have to look too far. AIG, Fidelity, Fosters, and Protective Life are all large insurance companies that can provide you with life insurance despite you having heart disease.

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How much will life insurance cost me with a pre-existing condition?

When an applicant with heart disease gets a quote for life insurance whether it’s you or a family member you’re shopping for, the company will ask you questions about your health situation and the medical history of both you and your family. This may also mean providing medical records as well. 

The main difference in life insurance rates between those with a pre-existing health condition and those without is the ranking insurance companies give them.

For applicants in good health, insurers rank them as “preferred” which means they pay a special lower rate. Applicants with heart disease are ranked under the “standard” category and will pay more. It’s easy to say simply keep a healthy heart in order to get more affordable rates, but that’s not always the way it works out. Congenital heart disease, or any other type of heart disease, can affect heart health even if an individual is in otherwise perfect health. 

Picking The Right Life Insurance Company For Heart Disease

Life insurance company rates are important, but you also want to look at ratings in order to find the most affordable option. You want to know that an insurer will fulfill their obligations and pay you out when the time comes. Independent agencies like A.M. Best rank insurers, so you know who’s best.

Here are the ratings of some life insurance companies and their average monthly rates.

Average Monthly Life Insurance Rates and A.M. Best Rating by Company
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
State Farm$15A++
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It’s important to be honest when asking for a life insurance quote. The medications you’re on, how long it’s been since your diagnosis, and other factors all contribute to getting an accurate rate. Plus, if you lie or leave out information, your coverage could be revoked later on.

What are the types of life insurance I can get if I have heart disease?

While you may not have as many choices as someone without heart disease, you can still choose between types of life insurance. The main types are whole life and term life. Here are some of the life insurance types people with heart disease may want to consider.

Term Life Insurance

Term life insurance lasts for a set period of time. Usually, term life coverage is sold for a period of as little as 10 years to up to 30 years.

This is a popular choice for people who have their heart disease under control. You can plan for the future and a specific period of time, which gives you peace of mind for the future.

Whole Life Insurance

In contrast to term life insurance, which is only for a set number of years, whole life insurance lasts for the entire life of the policyholder. It provides a death benefit as well as a savings component where money can be saved.

Guaranteed Acceptance Life Insurance

Also called no questions asked insurance, this is a type of whole life insurance. Unlike other types, you do not need to answer health questions, take a medical exam, or give an insurance company access to your medical history.

Here are some sample monthly rates for guaranteed acceptance life insurance by age and gender.

Average Monthly Guaranteed Acceptance Life Insurance Rates by Age and Gender
DemographicsAverage Monthly Rates for $10,000 Death BenefitAverage Monthly Rates for $15,000 Death BenefitAverage Monthly Rates for $25,000 Death Benefit
50-Year-Old Female$292$419$673
50-Year-Old Male$361$522$844
60-Year-Old Female$390$566$919
60-Year-Old Male$508$743$1,213
70-Year-Old Female$609$894$1,465
70-Year-Old Male$841$1,243$2,047
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The best way to find out what plan an insurance company will offer you with heart disease is to get a quote.

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Life Insurance Companies That Don’t Ask About Heart Disease: The Bottom Line

Now that you know all about life insurance companies and how they assess heart disease, you should get a quote using our free tool. Entering your ZIP code is the best way to find out how much top life insurance companies will charge for life insurance with heart disease.

Frequently Asked Questions: Life Insurance Companies That Don’t Ask About Heart Disease

#1 – Can I get life insurance with pre-existing conditions?

Yes, but your options for coverage and the amount you pay me not be as favorable as someone who’s 100 percent healthy.

#2 – What does it mean to have a pre-existing condition?

Any health issue or condition that you had before you requested your life insurance policy is considered a pre-existing condition.

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