The Ultimate Guide to Cancer, Heart Attack, and Stroke Life Insurance​

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Wondering if you can get life insurance after having a history of cancer, heart attack, or stroke? YES, YES, AND YES!!!

Let’s break down a product from one of our carriers – Sentinel Security Life.  Keep in mind that insurance carriers may make changes to the benefits and pricing over time. We may recommend other carriers for cancer, heart attack, or stroke survivors.

It will be different for everyone. 

I will describe Sentinel Security’s corporate history, pricing, and guidelines for approving life insurance for cancer, heart attacks, and stroke medical histories.

How Do I Qualify For This Life Insurance Policy?

This is a final expense whole life insurance  policy that can be issued to insure individuals between less than a year old up to 85 years old. Lets begin with residency requirements.

cancer heart attack stroke insuranceResidents of the following states are able to apply

Arizona, Alabama, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Minnesota, Maryland, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Utah, Wyoming.

A Quick Guide On The Policies That Sentinel Has For You Right Now

This difference between these 3 policies is in one feature – the Death benefit.

New Vantage I – day one coverage with the death benefit immediately available due to death from health reasons or an accident.

New Vantage II- for death due to health reasons the death benefit is reduced to 30% of the face value in year one and 70% in year two. In year three the death benefit is 100% of the face value for death due to health reasons.

For death due to an accident, 100% coverage is available from day one. 

New Vantage III- for death due to health reasons the death benefit is 110% of the premiums paid for the first two years. The full death benefit is payable to the insured at 100% of the face value for death due to health reasons beginning in year three.

For death due to an accident, the death benefit is 100% of the face value from the very first day the policy is issued. 

Unisex rates apply in Montana. Also New Vantage II and New Vantage III are not available in Montana. New Vantage III is not available in Arkansas, Minnesota, or Nevada.

Please note, for New Vantage II and New Vantage III, the accidental death rider is included for free during the first two years and pays up to 500% of the face value of the policy. So there’s a big jump in tax free benefits in those policies. 

How Do I Avoid A Medical Check To Qualify ?

no medical check insurance no medical exam insuranceThere is no medical exam needed to qualify. The process is simply fill out a paper application or an electronic application.

Then conduct a 20 minute phone interview with underwriting . After the payment drafts, the approved policy is considered active when this company receives the premium and processes it as received.

If the insured passes away, notify the agent as soon as possible for the claim paperwork and the tax free death benefit should be received by the beneficiary pretty quickly within 48 hours electronically or by check. Policy owners have the option of preassigning the funds to a funeral home.

How Much Will This Cost Me?

cancer heart attack stroke insuranceSo if you want day 1 coverage – how much would getting life insurance cost if you’ve had cancer, a heart attack, or a stroke?

If you are approved for New Vantage I, then these are the rates  between Non Smoker (NT) on the left of the age column in the middle and Smoker (T) on the right.

QUICK TIP: if you are using a mobile device then use instant quote here on the bottom of your screen to get a quick quote. If you are using a desktop,  then use the form on the right side of the screen.

cancer heart attack stroke life insurance
cancer heart attack stroke life insurance

How Do I Know If This Company Is Safe?

cancer heart attack stroke insuranceThis company is on the seasoned side of life insurers with a history going back over 70 years. The financial strength is outstanding. The rating is a B++ by AM Best. All policies are backed by state guarantees up to $500,000.  

Insurance companies are historically much safer than banks because of this .

State Guarantees back up every insurance company for paying out the death benefit. Basically, it won’t matter how high or low that a company is rated to have the backing of the state. 

How Does My Health History Impact Getting Denied?

LIFE INSURANCE APPROVALIf you haven’t been diagnosed with a heart attack or stroke within the past two years you can get day one coverage. If your cancer has been in remission for 3 or more years then you can qualify for day one coverage.

If your health history doesn’t match this timeline no problem! You can still get coverage.

This company would decide on whether to offer you New Vantage II or New Vantage III based on how recent your diagnosis or treatment was for cancer, heart attack, and/or stroke.

How Do I Know If This Is The Right Company For Me?

This product is great! We can recommend others to you as well.  We always enjoy comparing alternatives that you qualify for based on your unique situation.

There may be a cheaper alternative. We will be delighted search for you!

How Do I Know If This Is The Kind Of Policy That Has Cash Value?

cancer heart attack stroke insuranceWhole life insurance policies always build cash value. You’ll know for sure that this policy builds cash value because it’s considered a whole life insurance policy.

Anytime you have cash value in an insurance policy, it is almost like a separate savings account.

How does this help you? If you ever needed to, you could withdraw some or all of the cash value for any reason at any time. 

Is there anything else you can do? Yes! You can also borrow from the balance for any reason at any time. Eventually, the cash value can exceed the face value.

What does this mean for you? It means you can potentially increase the tax free benefit by rolling the cash value into a larger policy. 


This life insurance policy will  not only help you remove the burden from your family to cover your final expenses, but it will also all provide you with an additional safety net for the rest of your life. 

Are you certain your family and friends can cover your final expenses for you if you passed away tomorrow? Contact us right away to help you or get an instant quote first in less than a minute using the form to the right on this page. 

About the author

Victor Vega has over a decade of experience in working with individuals regarding their personal finances after starting in 2007 at Merrill Lynch as a financial advisor. I started Garden Mutual in 2020 so that you could have access to a life insurance agent that puts your interests first! As an independent agent, I work with over 10 carriers. This means that my loyalty is to my customer and not any one particular insurance company . Let me provide you with objective information that you can use to pick the best life insurance policy for yourself today.  We are always looking to improve ourselves for your benefit!

If there are any problems with the information in this article would it be ridiculous to let us know in the comment section below?

Email me at info@gardenmutual.com or call me at 908-388-4916.

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