Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 29, 2021

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The Brief

  • There are options to get coverage after open-heart surgery
  • It’s important to make sure you’re rehabilitated and healthy
  • Some policies can give you coverage without looking at your medical history

When you’re looking for life insurance companies that will cover clients that had open-heart surgery, you may be worried about getting coverage. However, there are sample life insurance rates that are under $150 a month.

If you’re looking for quotes for life insurance companies that will cover clients that had open-heart surgery, enter your ZIP code into our free quote tool.

Which life insurance companies will cover clients that had open-heart surgery?

After your heart has healed, you’ll likely need to find an insurer willing to cover the risk that surgery poses. The best insurance for heart patients might be a policy that guarantees coverage or one that doesn’t examine your medical history.

The table below lists life insurance companies that offer insurance coverage without requiring a medical exam:

Providers That Offer No Exam Insurance And Their Coverage Options

CompaniesType of InsuranceAge RangeCoverage Option
AmericoTermUp to 60Up to $250,000
ANICOTermUp to 60Up to $500,000
AssurityTerm18-65Up to $350,000
Banner Life/William PennTerm20-50$100,000 - $1,000,000
Lincoln Financial GroupTermUp to 60Up to $1,000,000
Penn MutualTerm Up to 65Up to 5,000,000
Principal LifeTermUp to 60Up to $1,000,000
SagicorTermUp to 65Up to $1,000,000
SBLITerm18-60Up to $500,000
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However, you are not limited to the companies on this list. You may find more coverage and lower rates with local life insurance companies that cover clients that had open-heart surgery. Always shop around compare and least three different policies before you buy to find the best one for you.

What policies will give insurance coverage for open-heart surgery?

The best life insurance after heart surgery will be a policy that doesn’t consider your medical history, guarantees coverage. or only provides just enough coverage for final expenses will likely be a good fit for your life.

For example, a guaranteed issue life insurance policy will give you coverage, although it may be less coverage than you expect. Guaranteed issue life insurance company rates can also quickly increase with age.

Life insurance companies that won’t cover clients who had open-heart surgery are less likely to offer the types of policies you need.

Some of the best life insurance for heart patients include:

  • Guaranteed Issue – With this policy, the policyholder is guaranteed life insurance coverage with higher premiums and a lower death benefit.
  • No Exam – This policy will allow you to apply for life insurance without the need for medical underwriting. Still, it will likely cost more to cover that risk.
  • Final Expense and Burial – If you just need enough money to cover your burial and end-of-life medical bills, this insurance will likely be able to give you affordable coverage.

These policies will ensure that you can get decent coverage that will give you peace of mind no matter what happens to you. Knowing how much coverage you need will also help you understand which policy will best fit your situation.

How much life insurance coverage do I need?

How much coverage you’ll need will largely depend on your life’s circumstances. For example, if you’re the primary earner for your family, your loved ones will be more impacted by your loss than if you didn’t earn any shared income.

Other circumstances that will impact your coverage include:

  • Debt – If you have any outstanding debt, a portion of a life insurance policy can be used by your next of kin to take care of that.
  • Income – As previously mentioned, a life insurance death benefit can help replace monthly income.
  • Medical Bills – If you end your life with medical bills, the death benefit can ensure that your loved ones don’t have to worry about the death benefit.

With the right amount of coverage, you can make sure your family is taken care of without paying through the nose for your coverage.

Especially after a major medical operation, you’re more likely to find your insurance rates higher, so limiting your coverage is a good way to lower your life insurance rates.

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How much are life insurance rates with companies that cover clients that had open-heart surgery?

Below are some examples of average monthly rates by age and gender for a guaranteed issue life insurance policy:

Average Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
AgeFemale Average Monthly RatesMale Average Monthly Rates
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While more expensive than a traditional life insurance policy, this coverage can ensure that you’re loved ones are cared for once you pass. In addition, if you’re still under a certain age, you can still get life insurance rates for under $150 a month.

According to the Insurance Information Institute, there are some things that you can do to save on your life insurance rates. Limiting the death benefit to the necessary amount can help you save on your monthly rates.

Anything you can do to lower your risk will also show your insurer that you’re dedicated to living a healthier life. These actions can include:

  • Improve Your Risk – If you have any criminal offenses or a bad driving record, the insurer will raise your rates. Showing a time between offenses can show your willingness to improve.
  • Pay Your Bills – Your credit history will be evaluated. If you have a good record of paying your bills, the insurer will favor you.
  • Take Care of Yourself – If you can stay healthy after your open-heart bypass, your insurer will be more likely to overlook your policy.

Anything you can do to lower the risk of dying will show the life insurance company that you’re worth insuring. They’ll be more willing to give you a policy if you live long enough for them to make a profit.

How can I apply for life insurance after open-heart surgery?

When you apply for a new life insurance policy, you will go through a process known as underwriting.

During the medical underwriting process, the insurance company will look up your past diagnosis, medicines, and procedures. With something as serious as open-heart surgery, an insurer might think twice about giving you a policy.

That doesn’t mean there aren’t affordable life insurance companies that will cover clients that had open-heart surgery, but your choices might become more limited after you’ve had that kind of operation.

However, after a significant medical procedure like a bypass, you’re much more likely to face issues getting an affordable policy. This is due to the underlying issues that might’ve caused heart failure and the risk for future complications.

After your successful open-heart bypass surgery, you’ll undergo some form of rehabilitation to get back to your former shape. This can be 8-12 weeks and will involve physical therapy as well as regular check-ups with your doctor.

It likely won’t be possible for you to get a policy during this time due to the risk.

While you’re recovering from your procedure, most insurers will be worried about the risk of complications. However, once you get a clean bill of health, an insurer will look more favorably on you.

How to Buy Life Insurance for Heart Patients

When you have major heart surgery, you’ll likely be worried about getting life insurance. But as long as you wait until you’re rehabilitated and healthy, you’ll be more likely able to get life insurance for heart failure patients.

If you’re looking for affordable life insurance companies that will cover clients that had open-heart surgery, enter your ZIP code into our quote tool below to compare local companies for free.