Cardiac conditions are among the most common health issues among seniors, and final expense carriers have designed plans specifically for people with heart disease. Depending on how long ago your event occurred and your current treatment, you'll qualify for level, graded, or guaranteed-issue coverage.
Heart attack or stroke more than 2 years ago and stable on medication often qualifies for graded coverage. Recent events (within 12 months) qualify for guaranteed-issue plans.
Heart event 5+ years ago, stable on medication, no recent hospitalizations.
Heart event 2–5 years ago, stents, bypass, or moderate CHF.
Recent heart attack, stroke, or advanced heart failure.
You can qualify for guaranteed-issue coverage immediately. For graded coverage, most carriers want to see 2 years of stability. For level rates, typically 5+ years.
No. Well-healed stents or bypass — with no recent complications — often qualify for graded or even level-benefit plans.
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