Stent replacement refers to repeat interventional procedures in which an existing vascular stent is revised, expanded, or supplemented with additional stents due to restenosis, thrombosis, or disease progression. In coronary artery disease, needing stent replacement often indicates more aggressive atherosclerosis, suboptimal initial results, or nonadherence to medical therapy. Repeat stenting can increase the complexity of coronary anatomy and may precede bypass surgery in some cases. From a mortality and morbidity standpoint, recurrent interventions generally signal higher long-term cardiovascular risk compared with a single, successful stent placement that remains stable over time.

Underwriters pay particular attention when applicants report multiple catheterizations or stent replacements. They review serial catheterization reports, stress tests, and echocardiograms to evaluate progression of coronary disease and left ventricular function. Multiple interventions, especially in younger applicants, often result in heavier ratings or declines for larger face amounts. Advisors should clarify timelines, procedures, and current symptom status and encourage clients to provide comprehensive cardiology records. Understanding stent replacement helps advisors recognize when cardiac histories have moved into higher-risk territory and when to seek impaired risk specialist support or explore alternative coverage strategies.