A big question is what kind of surgery was it?
It is pretty easy to get a simplified issue life insurance policy after having a coronary bypass. And as the name says, you are guaranteed to qualify for a guaranteed issue policy.
If you want more than $50,000 of coverage, whether you qualify for that amount will depend on the age at which you had your open heart surgery, how many vessels were involved, whether there were any blockages later, and how your stress tests results are now.
If you smoke or have other health conditions, such as diabetes, you most likely will be declined for this type of medically underwritten policy. But if you were at an older age when you had your heart surgery, it was effective and not too extensive, there is a good chance that you can get the amount of coverage you desire.