Coronary Artery Disease is a condition in which plaque builds up inside the coronary arteries. These arteries supply oxygen-rich blood to your heart muscle. Plaque is made up of fat, cholesterol, calcium and other substances found in the blood. When plaque builds up in the arteries, the condition is called atherosclerosis.
The buildup of plaque occurs over many years. Over time, plaque hardens and narrows your coronary arteries. This limits the flow of oxygen-rich blood to your heart muscle. If the flow of oxygen-rich blood to your heart muscle is reduced or blocked, angina or a heart attack can occur.
Eventually, an area of plaque can rupture (break open). This causes a blood clot to form on the surface of the plaque. If the clot becomes large enough, it can mostly or completely block blood flow through a coronary artery.
Depending on the number of vessels involved and the severity of the blockage will greatly influence which underwriting class your client will be eligible for.
This A+ carrier will apply elements of their crediting program to the client’s health history and lifestyle for the best possible offer.
Here Is A Case Study:
- Male, 55 years, 6’ and 190 pounds, NS
- Seeking $1.5 million of UL
- Medical history includes triple vessel coronary artery disease (CAD)
- Client has an annual stress test with excellent exercise capacity and >10 METS
- His lipids are well controlled; cholesterol 170 with a cholesterol/HDL ratio of 3.0
- Medications include one for cholesterol, one to treat hypertension and Aspirin
- Blood pressure is 120/70
Base rating is Table 6 due to the number of vessels involved and severity of the blockages. Normal credits that apply in this case are regular cardiac follow up, his medications and daily exercise. These equal a two table credit to Table 4.
Applicable credits include:
- Lifetime non-smoker
- Regular negative stress test> 10 METS
- Minimal alcohol
- Good blood pressure
- Preferred build
Base rating of Table 4 with 5 credits now issued at Table 2.