Researchers from Pennsylvania State University and Columbia University in the US analysed data collected from 909 participants, including daily telephone interviews over eight consecutive days and the results from an electrocardiogram.
The participants were between the ages of 35 and 85 and were drawn from a national study.
During the daily phone interviews, participants were asked to report the stressful events they had experienced that day, rating how stressful each event was by choosing 'not at all,' 'not very,' 'somewhat' or 'very.'
Researchers found that participants who reported a lot of stressful events in their lives were not necessarily those who had lower heart rate variability.
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No matter how many or how few stressful events a person faces it was those who perceived the events as more stressful or who experienced a greater spike in negative emotions that had lower heart rate variability - meaning these people may be at a higher risk for heart disease.
"People with lower heart rate variability have a greater risk of cardiovascular disease and premature death," said Sin.
One potential pathway linking stress to future heart disease is a dysregulation of the autonomic nervous system - a case of a person's normally self-regulated nervous system getting off track, researchers said.
"These results tell us that a person's perceptions and emotional reactions to stressful events are more important than exposure to stress per se," said Sin.
The findings were published in the journal Psychosomatic Medicine.