Purchasing Life Insurance with Heart Disease or Circulatory Issues


If you have ever been diagnosed with any type of heart disease and/or cardiovascular or circulatory issues, life insurance may see unobtainable.

Don’t worry, finding affordable life insurance with heart disease may be easier than you think. Just like other forms of insurance, some life insurance companies will be able to offer much better rates than others.

In fact, some companies actually specialize in approving applicants with heart disease or circulatory issues.

JRC Insurance Group specializes in finding people their best options for life insurance even if they have health issues. Our agency is owner-operated and we collectively have over 80 years of life insurance experience. Our agents are trained in underwriting which allows us to prequalify our clients. By asking a few health questions up front, we’ll be able to find your best option, saving you valuable time and money.

Our service is free and we’ve helped hundreds of clients find affordable life insurance with heart disease or other types of cardiovascular issues. Purchasing life insurance with heart disease may seem like an impossibility, but don’t worry, we have helped hundreds of clients with heart disease and cardiovascular issues.

Quick Article Guide

1. Real Life Example of a JRC Client
2. Why JRC is Different than Other Life Insurance Agencies
3. How JRC Can Help You Save Money on Life Insurance

Below are a list of the heart and circulatory issues our agency specializes in:

Abdominal Aortic Aneurysm

Angioplasty Surgery

Aortic Valve Insufficiency

Aortic Valve Stenosis

Arrhythmia, Bradycardia or Tachycardia

Atrial Fibrillation or A-Fib

Bundle Branch Block

Bypass Surgery

Congestive Heart Failure

Coronary Artery Disease or CAD

Deep Vein Thrombosis or DVT

Heart Attack or Myocardial Infarction

Heart Murmur

Heart Stents

Heart Valve Repair

Heart Valve Replacement

High Blood Pressure or Hypertension

Mitral Valve Insufficiency

Mitral Valve Prolapse

Mitral Valve Stenosis

Pacemakers or Abnormal Heart Rhythm

Pulmonary Embolism

To learn more about your specific heart or circulatory condition, you can click on one of the links above. Within these links we’ve created guides to help educate our clients about how their heart or circulatory issues are viewed by a life insurance company.

Additionally, we’ve provided insider tips for helping our clients with heart disease save money on life insurance and have also provided some sample quotes to give an idea of what to expect when applying for coverage.

If you don’t see your circulatory condition listed, please feel free to call us at 855-247-9555. Your agent will need to know what medications you are taking, if any, and a general idea of your overall health. Once we’ve assessed your overall health and lifestyle, we will be able to provide you with quotes from the life insurance companies that are the best fit for you and your coverage needs.

If you decide to move forward, we will complete your application for coverage over the phone in just a few minutes. Our service is free and there is no cost to apply. This means if you choose to not accept your policy, you still won’t have to pay for any services. Once you’ve had a chance to review your application and you decide to continue, we can set up a free medical exam to start the approval process.

The approval process for life insurance can take up to 12 weeks, so if you’re up against a deadline like selecting a pension option, start early. Your first payment is due AFTER your policy has been approved and you’ve had a chance to review everything. In addition, you can adjust your coverage amount after you have been approved, if needed.

Real Life Example of a JRC Client

Last year we worked with a woman named Kathy who had been previously turned down for life insurance TWICE. Kathy was being treated by her doctor for an abdominal aortic aneurysm that she’d had for more than five years and was taking a mild blood pressure medication. An aortic aneurysm is an enlarged aortic artery and when it becomes enlarged, it can rupture or burst. This condition is viewed as high risk by insurance companies since the aorta carries blood from your heart to your legs. Understandably, she was worried about applying for life insurance and being rejected again.

Kathy had followed the advice of her cardiologist and had continued with her annual check-ups to monitor her condition. Although her aneurysm had remained stable, Kathy’s aorta was dilated to approximately 4.6 centimeters. Based off of underwriting guidelines, the vast majority of life insurance companies will not approve an applicant with an aortic aneurysm of more than 4.0 centimeters in diameter.

Kathy said she would have given up on life insurance, but as a large estate owner, she needed coverage to prevent her children from having to pay large amounts of estate taxes when she passes away. Furthermore, she wanted to make sure her daughter could stay home when she settled down and had a family of her own.

During the application process, Kathy admitted upfront that she had smoked for a few years when she was younger. Even though she was once a smoker, most insurance companies will overlook past tobacco use after a three to five year timeframe.  Since Kathy was in her mid-50’s, in overall good health, and was a non-smoker, by taking her to the right company, we were able to get Kathy approved for a $1,000,000 policy in about eight weeks. The best part is Kathy will never need to buy another life insurance policy again because the policy she decided on is guaranteed not to decrease in coverage or increase in price until the age of 100.

Kathy’s situation is not unique and JRC Insurance Group has helped lots of clients in her situation and our client’s testimonials reflect this.

Why JRC is Different than Other Life Insurance Agencies

Clients we work with are surprised to learn how most life insurance agents and agencies work. Unfortunately, after a bad experience, many people give up on purchasing life insurance all-together. A lot of our clients tell us that they have used a “local agent” to purchase a policy.  The truth is most local agents only offer insurance products from one company. In the industry, these agents are referred to as “captive agents” because they are unable to sell more than one life insurance company’s products.

Often times these companies are not lenient with applicants that have health issues or are over the age of 50. In fact, most local agents and agencies focus primarily on selling home and auto insurance and typically only sell a handful of life insurance policies a year. This prevents them from being competitive with top-rated insurance companies that only specialize in life insurance.

Knowing this, you may be tempted to call the first life insurance agency you see on TV, but these agencies are usually call centers with agents that have little to no training or experience. Their focus is to have each agent make at least five to seven sales a day, and this prevents them from providing outstanding customer service. In addition, the vast majority of these life insurance call centers only work with a handful of life insurance companies.

At JRC, our agency only sells life insurance from “A” or better rated companies, and we work with more than 40 different carriers. Our agency is owner-operated and all of our agents have at least five years of experience in life insurance underwriting. We are experts at matching our clients with the company that is most lenient for their health conditions even if they have had a hard time purchasing life insurance before. Our service is free and our goal is to provide you with the best customer service in the industry.

How JRC Can Help You Save Money on Life Insurance

You may be surprised to learn that most life insurance companies offer 12 to 16 different rate classes for life insurance coverage. The rate classes are used to grade your “risk” and determine the cost of your life insurance policy. While one insurance company might offer you their eighth rate class, also known as a sub-standard rate, another life insurance company may be willing to offer you their fourth best rate class, or a “standard” or average rate. By applying with the wrong company, you could end up paying two to three times more for the same life insurance coverage or your application may even get declined.

JRC agents are experienced in life insurance underwriting. By asking the right questions upfront, we’ll make sure your application is submitted to the company that is the best for your specific situation. Our agency works with more than 40 top-rated life insurance carriers. By having access to five to ten times the companies as our competition, we can shop all of the reputable companies for you in just a few minutes. After reviewing your application, if we’ve found another carrier that’s a better fit, we’ll offer you that option as well. This process allows us to ensure our clients receive the best life insurance rates available.

Buying life insurance with heart disease shouldn’t be a daunting experience. JRC is here to walk you through every step of the approval process. We do not have quotas or shareholders to answer to. We take our time with every client to make sure they receive the best service and rates available. Give us a call today, toll free at 855-247-9555, or request a free quote online.

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Cliff Pendell

VP of Marketing at JRC Insurance Group
Cliff is a Managing Partner and Co-Founder at JRC. He has helped thousands of families of businesses with their life insurance needs since 2012 and specializes with applicants who are less than perfect health. In his spare time he enjoys spending time with family, traveling, and the great outdoors.
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