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Impaired Risk Specialists
since 1959


Underwriting 101 - Coronary Artery Disease

Dear (Contact First Name),

Hello, and welcome to our April 2012 edition of Impairment Profile. We hope to bring you more technical information on impairments we see every day. This may not be for you and that is fine.  However, I get questions daily on different diseases, so I thought why not tell you some of what I know! 
Coronary Artery Disease 

Coronary artery disease (CHD, CAD) is a narrowing of the small blood vessels that supply blood and oxygen to the heart. CHD is the leading cause of death in the United States for men and women. Risk factors for CHD can include age, genetics, diabetes, high blood pressure, smoking and weight.


Coronary artery disease is caused by the buildup of plaque in the arteries to your heart.  THis may also be called "hardening of the arteries." Fatty material and other substances form a plaque buildup on the walls of your coronary arteries. This buildup causes the arteries to narrow and as a result, blood flow to the heart can slow down or stop.


Everyone recovers differently from coronary artery disease.  Some people can maintain a healthy lifestyle by changing their diet, quitting smoking and taking medications as prescribed by a doctor.  Others may need medical procedures such as angioplasty or surgery.  Although everyone is different, early detection of CHD generally results in a better outcome.

Underwriting Offers 

While each case is different, a 68-year-old male with a history of CHD, including a heart attack six years ago, can go from a Table D to a Table B!

I hope you have found this useful.  We will send this out monthly until the end of the year.  If you have an impairment you would like for me to highlight, simply drop me a note!


Patty Longmire

In-House Underwriter

865.588.9555 x113

800.624.4502 x113

865-282-4925 - direct
Tennessee Brokerage Agency