Favorable Underwriting for CAD

Mia Dempsey – Manager, New Business


Coronary heart disease is the most common type of heart disease, killing 365,914 people in 2017.1

Coronary artery disease develops when the major blood vessels that supply your heart with blood, oxygen and nutrients (coronary arteries) become damaged or diseased. Cholesterol-containing deposits (plaque) in your arteries and inflammation are usually to blame for coronary artery disease.2

If you have a client that has been diagnosed with CAD we have potential opportunities to get them a Standard or better offer with some of our carriers. 

  • American National – Ages 70+ with single vessel (right coronary artery) disease and other favorable factors, can receive standard rates. 
  • John Hancock – Possible Standard Plus or Preferred on treated CAD cases, ages 71+
  • Lincoln Financial – Cardiac credits – up to four tables’ worth of credits available to age 70. Standard rates may be available over age 70 with a history of coronary artery disease. 

1 https://www.cdc.gov/heartdisease/facts.htm

2 https://www.mayoclinic.org/diseases-conditions/coronary-artery-disease/symptoms-causes/syc-20350613

Contact your Asset Case Manager to obtain questionnaires.  Send completed forms back to receive tentative offers from the carriers and help your clients insure themselves for their loved ones.  

(Note:  Final offers subject to full underwriting)