Can You Get Life Insurance After Heart Valve Surgery?
I’m not sure if you remember… But, I have been trying to get life insurance after my heart valve surgery for a lonnnnnnnnnnnnnng time.
During this process, I have been denied, even auto-denied, by some of the largest insurance carriers as soon as they learn that I had my aortic and pulmonary valves replaced.
Well… I have some good news to report!!!
I was recently approved for a life insurance plan!!!
It turns out that an old, college friend of mine, Paul Wolf, is in the insurance business. When I told him that I was having trouble obtaining coverage he said, “Let me take a crack at it!”
Sure enough, Paul delivered!!!
As for pricing, the insurance policy did come with a significant premium because of my medical history. According to Paul, my plan costs about three times greater than a normal policy. But, when I thought about it, I want to make sure that Robyn (my wife) and Ethan (my son) are taken care of should anything happen to me.
Paul Wolf - My Life Insurance Guru
I know many of you have experienced similar challenges obtaining life insurance after heart surgery. If you would like to speak with Paul, simply call him at (248) 244 6013. Paul has worked for Northwestern Life Insurance for the past 15 years.
I hope that helps!
Keep on tickin!
P.S. If you have any thoughts to share about heart surgery and insurance, please click here.
About The Author: Adam Pick is a double, heart valve surgery patient and author of The Patient’s Guide To Heart Valve Surgery. This unique book integrates the clinical facts of heart valve surgery with the personal experiences of 78 former valve surgery patients to help patients and caregivers better understand the opportunities and challenges of heart valve surgery. To learn more about Adam and his heart valve surgery book, click here.
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May 19th, 2009 at 8:33 pm
Disability insurance may be more important than life insurance. We all want to leave our loved ones something if we are not here to provide for them, but long term disability could leave our family in a much worse financial state than death.