Angioplasty is a medical procedure used to open narrowed or blocked arteries, most commonly in the coronary circulation. During percutaneous transluminal coronary angioplasty (PTCA), a balloon-tipped catheter is advanced to the site of blockage and inflated to compress plaque against the artery wall, often followed by placement of a stent to keep the artery open. Angioplasty can relieve chest pain, improve blood flow, and reduce the risk of heart attack, though it does not cure underlying atherosclerosis. For insurers, a history of angioplasty is a strong indicator of significant coronary artery disease and is associated with elevated long-term cardiac risk, making it a key factor in life and disability underwriting.

When applicants disclose angioplasty, underwriters request detailed catheterization reports, stent information, stress tests, and follow-up cardiology notes. They consider age at event, number and location of treated vessels, left ventricular function, and presence of ongoing symptoms or risk factors such as diabetes or smoking. Mild, well-controlled disease with good post-procedure follow-up may receive rated offers after an appropriate waiting period, while more extensive disease or recurrent interventions can lead to declines. Advisors prepare clients by gathering records in advance and setting realistic expectations about pricing and face amount limits. Understanding angioplasty helps advisors explain why carriers examine cardiac history closely and how aggressive risk-factor management can improve both health outcomes and insurability.