It may at first seem that trying to secure life insurance after a heart attack will mean that an individual will have to pay higher premiums, or may not even be able to secure life cover at all. The reason why a person may have trouble is that life insurance companies will tend to place them in the high risk category. This category is reserved for people with medical problems, who smoke heavily or have a dangerous occupation or pastime, and will generally attract higher premiums. Sufficiently high risk individuals may even be declined altogether.
Depending on your health status getting life insurance after a heart attack may be achievable , but it will often require the services of a life insurance broker to get you quotes. Different life insurers have different criteria for assessing risk so the difference quoted from one insurer to the next may be significant.