Coronary artery bypass surgery means the undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass graft, excluding any non-surgical or trans-catheter techniques such as balloon angioplasty or laser relief of an obstruction.

Coronary artery disease (CAD) is the number one cause of death, assessing its risk is a complex matter for the underwriters and must be done carefully.The risk assessment is dependent upon not only the number of the heart’s arteries that are clogged, but also the location in the arteries

where there is blockage. It takes into account how well the heart muscle works asa pump. The underwriter must also consider whether there has been heart muscle lost and whether there is apt to be more blockage. Future blockage depends on the presence of coronary risk factors like high blood pressure, high cholesterol, smoking, diabetes, bad genetics, and other factors

Coronary artery disease, also referred to as coronary heart disease or CAD, is the most common health condition that life insurance companies encounter. Coronary artery disease, also known as atherosclerosis or arteriosclerosis, is the result of the narrowing of the arteries that carry oxygen and nutrients to the heart muscle which allow it to pump blood effectively. Partial closure of these arteries can cause angina and complete blockage will lead to a heart attack..

CAD occurs over time and begins with an injury to the inner wall of an artery potentially caused by high blood pressure, elevated cholesterol, diabetes and smoking among other factors. At the place of injury, fatty deposits called plaque begin to collect and harden. As the fatty deposits accumulate, they slowly narrow the artery and restrict the flow of blood to your heart. If the plaque buildup ruptures, the body’s response is to send blood cells called platelets to the site to try to repair the artery. These platelets can clot resulting in a blockage which can lead to a potentially fatal a heart attack.

There are many contributors to coronary artery disease and life insurance companies are especially interested in the presence of these risk factors and how they impact each individual. The good news is that many of the factors associated with CAD are controllable. Following are the most important risk factors in evaluating an individual with coronary artery disease:

            A family history of heart disease,

            Age, the older you are the greater risk of CAD,

            Stress,

            Obesity,

            Smoking or tobacco use,

            High Blood Pressure,

            Poor nutrition,

            Diabetes, and

            Lack of physical activity/exercise.

If you have Coronary artery disease (CAD) and you are angry by the fact you are likely to have to pay higher premiums for your life insurance you should know that you there are alot of people have long-term illnesses or conditions that raise premiums, and many by looking around correctly, find an affordable policy they are happy with. There are things you can do to reduce the chance that you will be paying through the nose for a life insurance policy.

Please contact us to discuss your options for life insurance based on your health condition(s).

If you have further query please contact Canada Insurance Plan.