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Heart / Circulatory

Modern U.S. life / SI / mortgage-protection underwriting knowledge — actuarial decision framing for software.

Knowledge priority 10/10 Not legacy dump tree

Actuarial software-knowledge disclaimer: These pages synthesize typical U.S. life / simplified-issue / final-expense / mortgage-protection underwriting logic used industry-wide (2024–2026 field guides, carrier appetites, reinsurance mortality framing). They are not any single carrier’s filed rates, not advice to applicants, and not the legacy 2022 database dump. Use them to design interview schemas and carrier-ruleset APIs.

Actuarial view

Cardiovascular disease is the largest mortality driver in U.S. adult life insurance. Keys: event recency, vessels treated, EF/CHF, rhythm stability, and diabetes combination.

Primary risk drivers

MI / ACS date
CABG / stent / vessels
CHF / cardiomyopathy / EF%
AFib type + anticoagulation
CVA / TIA
PAD/PVD
BP control
Diabetes combo

Life (full / accelerated)

Map drivers → rate class / flat extra / postpone / decline. Labs & Rx history refine.

Mortgage / FE SI

Mild HTN OK. Recent MI/CHF/stroke usually blocks level mortgage SI—route graded/GI or postpone.

Health insurance

Cardiac history drives medical cost dramatically; life recency rules are not health-plan rules.

Recommended interview logic (software schema)

History of heart attack, CAD, stent, bypass, CHF, valve disease, or stroke/TIA?

Preferred path possible

Yes

Continue

Most serious cardiac event / treatment

Hypertension only (controlled)

Preferred/Standard by readings & meds

Stent / angioplasty

Time since + vessels

CABG

Age, vessels, recovery years

Date, single vs multiple, residual EF

CHF / cardiomyopathy / low EF

Often decline SI Level

Stroke / TIA

Recency + residuals

AFib

Lone vs with heart disease

Time since last cardiac event / procedure

Under 6–12 months

Postpone/decline most accelerated & Level SI

1–2 years

Graded FE common; some Level by carrier

2–5+ years stable

Possible Level FE / rated fully UW

Combined with diabetes?

Continue

Yes

Very common Express/SI decline combination

Typical decision patterns

Profile	Traditional / Express-style	FE / Mortgage SI path
Controlled HTN only	PREFERRED/STANDARD	Mortgage SI usually OK
CAD/stent/MI ≥2y, no DM, good follow-up	Rated / some SI Level	Carrier niche
CHF / oxygen / transplant listed	DECLINE	GI only typically
Heart disease + diabetes	DECLINE many SI	Graded/GI

Software implementation note

cardiac_event_type, event_date, ef_band, diabetes_combo — first-class in rules engine.