For all heart conditions, the date of diagnosis, your age, smoking status and lifestyle are some of the factors that’ll suffer most scrutiny from the insurer.
Date of diagnosis
A recent diagnosis is usually perceived as a higher risk to the insurer than that of a previous diagnosis.
This is because during the early stages of a heart condition it's difficult to determine how the illness will develop, or how it will affect your long-term health.
Particularly as the risk factors pertaining to one heart condition place you at greater risk of developing other heart conditions.
It goes without saying that the older you are, the more you’ll pay for life insurance cover.
Ageing also lowers our immune system and so the older you are, the more likely you’ll develop medical problems and the harder it is to recover.
Therefore, someone who’s in their 70s or 80s with a life-threatening condition such as heart disease can be much more difficult to insure (or their premiums will be sky high)
This may be where an over 50s plan could be the best solution, as acceptance is guaranteed if you're aged between 50 -85 regardless of your health
Harmful chemicals from smoking not only causes many heart-related problems but also brings an increased risk of many other medical conditions.
A smoker with a heart condition could pay a premium loading of up to 75% more than a non-smoker.
Insurers also class vapers and e-cigarettes users as smokers.
Quit today and after 12 months of being smoke-free, you could save significantly on your premiums.
Leading a healthy lifestyle lowers your risk of developing other health conditions and will be looked upon favourably by the insurer.
A healthy lifestyle is a combination of regular exercise, maintaining a healthy weight, eating a balanced diet, positive mental wellness, not smoking and limited alcohol consumption.