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[L296]Life After A Heart Attack
by Leaftech, Lea

It's common knowledge that having a heart attack in your medical history is a red flag when it comes to applying for life insurance, but even with a heart condition, you are not necessarily precluded from being insured, nor will you automatically have to pay exorbitant premiums. Depending on the steps you have taken to treat your heart disease, and the severity of your condition, you may well be able to get a life insurance policy with affordable rates.

According to Christopher Graham, vice president and chief underwriter for Hartford Life, "We are able to offer an insurance policy to the vast majority of people with a history of heart disease."

Dr. Robert Gleeson, a medical underwriter and vice president at Northwestern Mutual Life Insurance Company emphasizes the same thing. "We spend our lives underwriting diseases," he says, "And, as an industry, we've had a lot of experience with coronary disease."

While your heart attack will likely disqualify you from getting the very best life insurance rates, you may be able to qualify for the second-best tier ("standard" as opposed to "'preferred") even so.

What can you do to ensure that you pay the lowest possible premium for life insurance after a heart attack? Here are a few tips:

Wait a While. You may be able to save money if you wait a year or two after having a heart attack before you buy life insurance, because the longer you can demonstrate that you are taking care of yourself - good cardiogram readings, for example, and low cholesterol, the less of a risk you will seem to be.

Stay in Treatment: While you're waiting, you need to be proactive about improving your health. Work with your doctors to change your diet, increase your exercise and take the proper medications to keep your blood pressure stable.

Document Everything. When you do apply for insurance, be sure to provide documentation for everything you've been doing. It's not enough for YOU to know. The insurer must know. Be specific: it will reassure the underwriters buy into your case. Dr. Gleeson explains why: "If someone tells me that they have high blood pressure but doesn't give me any more information, I don't feel very good about issuing a policy without getting more information."

Underwriting procedures vary from insurance company to insurance company and are often updated as medical knowledge changes and different treatments become standardized. If one company rejects your application for post-heart-attack life insurance, try another. Sometimes you have to shop around.

Having a heart attack is frightening enough, but it doesn't have to leave you without life insurance. If you document your treatment process, and are patient with the system, you should be able to find affordable life insurance coverage despite your heart condition.


Do many people suffer depression after heart attack?

Not surprisingly, the answer to this question is yes. Recent studies show that as many as 65% of people who have a heart attack report feeling depressed, down and despondent. A general state of despair. Moreover, women, people who have been depressed before, and people who feel alone and without social or emotional support are at a higher risk for feeling depressed after a heart attack. Two new Canadian studies have shown that More than twice as many women than men tend to fall into chronic depression after suffering a heart attack and are more likely to lead lives of poorer quality following their treatments.

Being depressed can also make it harder for you to recover. However, depression can be treated.

Being told by doctors that you should take up exercise, adopt a new diet, stop smoking, etc. etc. etc. can certainly make you feel helpless, in fact, you will probably have good days and bad days following your release from hospital. However, most people start to feel better as time passes. People that are quickly able to get back to their usual routines normally notice a drop in anxiety faster than those that don’t.

So what exactly is depression?

Depression, be it after a heart attack or not, is a medical illness, like diabetes or high blood pressure and not just somebody going crazy. This is important both for the sufferer and family members to understand. The symptoms of depression may include some or all of the following:

- Feeling sad or crying often
- Losing interest in daily activities that used to be fun
- Changes in appetite and weight
- Sleeping too much or having trouble sleeping
- Feeling agitated, cranky or sluggish
- Loss of energy
- Feeling very guilty or worthless
- Problems concentrating or making decisions
- Thoughts of death or suicide

Can heart disease trigger depression or depression trigger heart disease?

Either of the above may be true, one thing seems clear. The two are often found hand in hand, therefore controlling one may help control the other.

According to The American Academy of Family Physicians research has shown that people who are depressed and have pre-existing cardiovascular disease have a 3.5 times greater risk of dying of a heart attack than patients with heart disease who are not depressed. In a recent study, depression was shown to be associated with an increased risk of developing coronary heart disease in men and women. Depression was shown to increase mortality related to coronary heart disease in men but had no effect on mortality in women.

How can the risk of relapse be avoided?

The risk of relapses, be it of heart disease or depression, can be greatly reduced by living a healthy lifestyle, and your doctor will instruct you on this. However, some important lifestyle modifications are avoiding alcohol, illegal drugs, smoking, start a regular exercise program, eating a balanced diet, manage stress, join a club, meet new people or take courses in things that interest you, get enough rest and sleep
Article Source : Dental Health Insurance

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Both Leaftech & Nicholas Webb are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Leaftech has sinced written about articles on various topics from Real Estate, Lingerie and Supplements. Being self employed doesn't mean you can't find . Learn how you can save money on insurance premiums.. Leaftech's top article generates over 14800 views. to your Favourites.

Nicholas Webb has sinced written about articles on various topics from Health Insurance. For more heart health related information visit www.AllAbout-Heart-Disease.com - a site that offers user-friendly articles, tips and advice for avoiding heart disease, getting the edge on risk factors and living your life to the full!. Nicholas Webb's top article generates over 590 views. to your Favourites.
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