Life Insurance and Atherosclerosis or Arteriosclerosis Life Insurance


Do you think finding life insurance with arteriosclerosis will be too difficult to even bother?  Fear not!

Atherosclerosis (sometimes called arteriosclerosis) is a very common condition, affecting nearly 4.6 million people in the United States.

Although atherosclerosis itself is not fatal, it will lead to more serious complications and eventually death if not treated properly. Because of this, life insurers view individuals with arteriosclerosis as being at higher risk.

Some large insurance companies will deny a person based on the severity of atherosclerosis or require very high premiums for anyone with the condition.

If you have experienced this on a personal level, you may feel that it is impossible to get affordable life insurance with arteriosclerosis. However, that is not the case at all.

Yes! You Can Get Life Insurance With Atherosclerosis

As with any heart condition, insurance companies will be wary of those applying and will rate the policy accordingly.  Insurance is all about risk, so life insurance with arteriosclerosis can sometimes present unique challenges.

On the other hand, certain insurance companies specialize in these types of high-risk cases.  Do you know which ones specifically underwrite hard arteries with the best rates? No? Then a qualified underwriting expert who knows where to apply will make all the difference in the world.

As a general rule, life insurance will never be cheaper tomorrow than it is today.  It is important to start the process as soon as you can.  And for goodness’ sake, if you have any problems with plaque in your arteries, please get an underwriting expert involved immediately!

Here is a handy guide to this article, feel free to head directly to the section you need.

In addition to living a healthy lifestyle, the best thing you can do when it comes to whole or term life insurance and arteriosclerosis is to educate yourself and provide as much information as possible to your agent.

You will want to know what goes into the decision process for insurance companies when they are reviewing a case and what you can do to improve your chances.

We developed this article to clarify most of the questions around life insurance and atherosclerosis.

There are alternative facts out there regarding atherosclerosis and life insurance, and people have made serious mistakes in their applications simply because they believed inaccurate information.  Read on! Knowledge is power!


Before you can understand the complex relationship between life insurance and arteriosclerosis, it is important that you first understand the condition itself. It occurs when the arteries that carry oxygen and nutrients from the heart to the rest of the body become thick and stiff. This can restrict the flow of blood to the rest of your organs and tissues, leading to any number of serious health problems.

Although the terms are often used interchangeably, atherosclerosis is actually a particular kind of arteriosclerosis. In the case of atherosclerosis, this thickening of the walls of the arteries is caused by the buildup of fats, cholesterol, calcium and other substances inside the arteries.

This buildup is known as plaque, and it is the leading cause of the restriction of proper flow through your blood vessels. This can lead to a number of serious conditions, but the most common possible conditions that seriously concern life insurance companies are:

  • Carotid artery disease: These are the vessels that supply blood to the brain. The blockage of these arteries can lead to a stroke.
  • Coronary artery disease: These are the vessels that supply blood to your heart. A blockage here could cause angina or a heart attack.
  • Peripheral arterial disease: These are the vessels in your arms, legs and pelvis area. The blockage of these arteries can cause numbness, pain, and infections.


While the condition itself is not fatal and may cause no symptoms, it is the list of serious problems arteriosclerosis can cause that will lead to life insurance application denials. Although the specific requirements and qualifications will vary from company to company, there are a few questions that all insurers will ask before approval.

life insurance and arteriosclerosis atherosclerosis life insurance approvals questions for underwriting

When were you diagnosed?

If you just found out that you have cardiovascular disease, underwriters will want to see evidence of your treatment as recommended by your doctor.  If you have been treating atherosclerosis for some time, your health class will be better and your rates will be lower.


Age is on your side with arteriosclerosis.

We experience at least some blocking of the arteries as time goes on. To be young with hardened arteries is not a good thing, however, if you were diagnosed after age 60, you can still get standard rates in many cases.

If you were diagnosed after age 70, many life insurance companies can offer standard plus

Does your arteriosclerosis have any symptoms, especially within the last six months?

Chest pressure is a dead giveaway for atherosclerosis in the heart arteries.  Temporary vision loss, leg pain, and high blood pressure may be signs of cardiovascular issues in the brain, extremities, and kidneys respectfully.

Treatment for these symptoms is critical to life insurance approval.

Have you had a heart attack, stroke, TIA or needed bypass surgery because of arteriosclerosis?

These other issues will take the front seat in an underwriter’s mind, as they are more serious.  They will have more bearing on your life insurance application approval or denial than atherosclerosis.

Any recent cardiovascular tests related to atherosclerosis?

Great thallium stress test results from your cardiologist will put your application on the fast track.  Also, your results from electrocardiograms, cholesterol tests, and ankle-brachial indexes will help to assign the best health class.

Are you currently being treated for arteriosclerosis, and has the treatment improved your condition?

Medications such as statins for cholesterol control, beta-blockers, and antiplatelet drugs are prescribed for atherosclerosis.  Most of these drugs are insurable, and their use can slow or even reverse the effects of your arteriosclerosis.


Listen to your doctors and follow their instructions to the letter!

Not only will you live longer and in better health, your life insurance premiums will be lower. Actively managing your arteriosclerosis will qualify you for a better health class.

Any lifestyle changes since your diagnosis?

Cardiovascular disease is a lifestyle disease brought on by diet and sedentary habits.  Do you exercise more? Have you lost some weight or quit smoking?


Your lifestyle can be a big factor.

Dropping 5-10 pounds can drop your life insurance rates by up to 25%. Quit smoking? Life insurance rates for non smokers are dramatically lower, sometimes by 300%!


What you actually pay for life insurance depends on how much protection you need, your age, and your health class.  We cannot do anything about your age.  Start a quote to find out how much protection you need.

Generally speaking, here are the health classes you can expect for life insurance and atherosclerosis:

Preferred or Preferred Plus

Due to the other complications that usually accompany arteriosclerosis, very few applicants would qualify for preferred plus.  However, preferred is a possible outcome for a client with very mild atherosclerosis, light medications, a healthy lifestyle and no other complications or corrective surgeries.

Standard Rates

For many searching for life insurance with atherosclerosis, this is what you can expect if your arteriosclerosis is treated with medication.  Some of the most favorable life insurance companies will even grant a standard rating with angioplasty or a stent.  Get a specific quote started to find out more.

Substandard or Table Ratings

Depending on the other complications, some applications can be rated substandard.  With more arteries blocked, less control over the heart condition and outlying factors like diabetes and family history, some atherosclerosis life insurance applications could be denied.


Stan V. was 66 when he applied for life insurance with us.  He was looking for $350,000 in life insurance protection that would pay off his remaining mortgage.

He had mild arteriosclerosis controlled by a combination of medications, no family history of heart issues and no other complications.

The results?

Before us, a different agent and insurance company rated Stan’s case in Table 2.

We knew we could do better.

After reviewing Stan’s file and his doctor’s comments, he had a recent EBCT test with no calcification and he was very active with a healthy diet.

life insurance atherosclerosis EBCT scan arteriosclerosis life insurance approvals

We were able to secure a standard rating for Stan and his savings were as follows:

10-year term, A-rated company for Stan V., quoted on 11-18-2016

$350,000 Term Life InsuranceStandardQuoteTable 2(the other guys)Savings!

That’s $6,844 in savings for Stan over the term of his policy. He was thrilled!


To get the best life insurance rates, use an independent underwriting expert who:

Understands your atherosclerosis.
Works with many life insurance companies based on underwriting guideline knowledge.


Life insurance with atherosclerosis may be harder to qualify for.  However, it is not impossible.

First of all, live a healthy lifestyle.  Watch your diet, exercise, and get some sleep.  Then apply for life insurance while you are young.

After that, the best thing you can do for lower rates on life insurance is to work with an independent underwriting expert like us.

We know the life insurance companies that give you the best rates, even with a little plaque in your arteries.  It’s free to apply, you have nothing to lose, and the process is painless.

Protect your family.  Get a quote today.