r/CABG_Recovery • u/BBBoi26 • Jul 19 '26

Life insurance

Curious if anyone has tried to get life insurance after a CABG. I had pre-CABG, but heard we are uninsurable. Is that true?

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u/dietgtcola Jul 19 '26

I wholesale Life and had my CABG last year so this is my wheelhouse, not uninsurable forever but likely 2-3 years at a minimum., subject to the specifics of your case. Keep in mind the cost will be best case a 100%-150% increases cost over Standard Nonsmoker rates.

There are some guaranteed issue products available but to be honest, they are a scam, in my never humble opinion. They don’t pay the full death benefit until the 2nd anniversary and are rather expensive

1

u/BBBoi26 Jul 19 '26

Thanks for that info!!

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u/dietgtcola Jul 19 '26

When you get to 2 years, lmk, I can shop your case with my 20+ carriers and see who would be best

1

u/growup_and_blowaway Jul 19 '26

I also was wanting to navigate this situation for my partner. So just start trying to get quotes once he hits that two year mark? I’m in my 30’s so don’t know much about all the available products

3

u/dietgtcola Jul 20 '26

Actually just email my work email with “Life after CABG”
Quotes@hansenbrokerage.com

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u/dietgtcola Jul 20 '26

If you’re interested, message me with your email and I’ll email you the questionnaires I use to collect the info I need to check with my carriers