Cardiac stress test is a diagnostic procedure that evaluates how the heart performs under increased workload, usually through exercise on a treadmill or pharmacologic stimulation combined with EKG monitoring and sometimes imaging. It helps detect coronary artery disease, assess exercise tolerance, and evaluate symptoms such as chest pain or shortness of breath. Results may show normal response, ischemia, arrhythmias, or exercise-induced blood-pressure changes. Stress tests are widely referenced in underwriting because they provide functional information about cardiac reserve and the likelihood of obstructive coronary disease, especially in applicants with risk factors or symptoms.

Underwriters analyze cardiac stress test reports when applicants disclose chest pain, abnormal EKGs, or known coronary risk factors. They look at exercise duration, workload achieved (such as METs), heart-rate response, and any ischemic changes or arrhythmias. Normal, high-workload stress tests can support better offers, while abnormal results may require further testing or drive ratings. Advisors ask clients about recent stress tests and obtain copies before submitting cases, particularly on larger face amounts. Understanding cardiac stress tests allows advisors to interpret cardiology notes, anticipate underwriting reactions, and explain why carriers may request additional cardiac workups.