Life insurance can give you the peace of mind knowing that your beneficiaries will receive financial support after your death, but it’s important to understand that many life insurance policies have exclusions. But what happens if you experience a heart attack? Does accidental death insurance cover a heart attack? And will your beneficiaries receive a benefit from your insurance?
Accidental death insurance covers unintentional deaths that are the result of accidents. For example, deaths resulting from poisoning, falls, car accidents, drowning, and murder would be covered under this type of policy.
But does AD&D insurance cover heart attack? No, a heart attack is considered a health-related death, so it wouldn’t be covered by your accidental death insurance coverage.
If you honestly answered your life insurance medical questionnaire and answered any questions during the medical exam honestly, then your life insurance policy would cover a heart attack and your beneficiaries would receive a death benefit.
But if you concealed any information about a history of heart attacks, your life insurance provider could deny coverage for a death caused by a heart attack. For example, if you didn’t share facts about your heart attack history, the insurance provider could deny your death benefit if they learned of that information, even after your death.
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Many individuals believe that you can’t get life insurance if you’ve experienced a heart attack previously, but that’s not true. Heart attack survivors can still get coverage, but most insurance providers will require a detailed medical history and a thorough evaluation.
The underwriter may evaluate factors such as your current management plan, any past surgeries or the use of medication to support your heart health, and your overall lifestyle. You can likely still get coverage, but you may pay a higher premium because of your heart attack history.
Your life insurance policy will cover death from natural causes and accidental deaths. A natural cause of death could be disease, an accident, or a health issue like a heart attack, kidney failure, cancer, or a stroke.
When shopping for life insurance, be sure to thoroughly read your policy and focus on its coverages and any exclusions. If you have questions about how the coverage works, ask them before you buy the policy.
Remember to be honest when completing the application, responding to a medical questionnaire, or completing the medical exam portion of the insurance application. Lying or not disclosing health information could cause your life insurance provider to cancel your policy without reimbursing you for any payments that you’ve made. If the provider learns of your health history after your death, they can refuse to pay out any benefits.
If you’re ready to purchase a life insurance policy, you can get free life insurance quotes online today to compare policies and their prices.
Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
