Does Life Insurance Cover Heart Attack? 
Typically traditional life insurance , be it term life insurance or permanent life insurance , the cause of death will not be excluded . If you have pre-existing heart issues , in most cases , you will be declined or rated up on your premiums to off set the risk . If you were rated for heart disease and the cause of death was heart related , the policy will pay . Life insurance companies do not pick and choose your cause of death to pay claims . There is however a two year contestability period to be sure nothing on the application was misrepresented or excluded . This also would exclude a suicide for the first two years the policy is in force . If the death occurs after the policy has been in force for two years , then all causes of death would be covered . 