Coronary Artery Disease (CAD)

The coronary arteries are unable to supply sufficient blood to the heart due to progressive narrowing of the arteries, thrombosis, or vascular spasm.

Likely Underwriting Decision

Unable to consider until 3-6 months post—treatment (by—pass surgery, PTCA, etc.:)

Decline if age at application is less than 35

Decline if Class 4 (heart failure, ejection fraction <40%)

Best possible ratings Class 1 CAD: (e.g., 1 vessel disease and ejection fraction >55%)
Age: <50: 175%
50–59: 150%
60–70: Standard
71–90: Preferred

Standard Plus and Preferred for ages 71+ Class 1 CAD best cases only. Face amount may be limited

Best possible ratings Class 2 CAD: (e.g., 2 vessel disease and an ejection fraction of 50–55%)
Age: <50: 225%
50–70: 150 to 175%
71–90: Standard

Average ratings Class 2 CAD:
Age: <50: 250 to 300%
50–69: 200%
70–90: 150%

Average ratings Class 3 CAD: (e.g., more serious CAD, 3 vessel disease and ejection fraction <45–50%)
Age: <50: 300% to decline
50–69: 225%
70–90: 150% to 200%

Factors Affecting the Decision

  • Current age
  • Date of diagnosis and age at onset
  • Severity of the disease (how many vessels and which ones)
  • Current symptoms
  • Treatment
  • Medications
  • Smoking history
  • Any concurrent serious impairment
  • Any history of congestive heart failure or arrhythmia
  • Active lifestyle
  • Blood pressure and cholesterol readings
  • Family history

Fast Track the App

Requirements:
APS, EKG (or recent TST from APS)

Fast Track:

  • Cardiac test results (e.g., angiogram, recent stress tests, nuclear stress test)
  • Detailed list of medications
  • Copies of lipid testing
  • Details of any lifestyle change

Best ratings possible with testing including nuclear stress test and stress echocardiograms within the past 12 months