Life Insurance
with Heart Condition

Obtaining life insurance with a heart condition is certainly possible, but not without it's obstacles.

It’s to be expected that monthly premiums will be more expensive for someone with a heart condition.

Even so, we believe that most people would benefit from having some form of life protection.

Especially if you have dependants who’d struggle with mortgage repayments and/or living costs if you were no longer around.

Arranging cover could be all the more necessary if you suffer from a serious health problem that could become potentially life-threatening, such as heart disease.

If you have a minor heart condition that’s managed well, you may be able to secure a standard policy, such as term-based life insurance.

But you’re more likely to be offered a lower sum assured (pay out amount), over a shorter period of time (term) if applicable.

If your condition is very severe, you may be declined standard cover, but there’s still hope through our impaired team.

There’s also the option of over 50s life insurance, which doesn’t require any medical information, (acceptance is guaranteed for applicants aged 50-85).

Get in touch and we’ll provide all the information you need, answer any questions and discuss your options.

Applications for life insurance with a heart condition tend to be assessed on a case by case basis and may require manual underwriting.

Manual underwriting is when the insurer requests access to your medical records, speak with your GP or require you undergo a medical exam - in support of your application.

In some cases, they may need to see all of this information before providing you with a quote.

If your condition is severe, you may be referred to a specialist insurer.

They’re able to offer standard policy terms but at heightened premiums.

Our dedicated team have the knowledge and experience to understand the requirements of each of our standard and specialist insurers.

We’ll do our best to match you with the insurer most likely to accept your application.

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.

It’s still possible to secure life insurance for heart attack victims, even if you’ve been declined cover in the past.

Although it may be sensible to wait a period of time after the event before applying for a policy.

This provides a recovery period during which your symptoms may improve, you’re able to be more active and you’re at lower risk of having another episode.

The likelihood you’ll be accepted for life cover is determined by your individual circumstances.

Based on this information the underwriter will be able to asses the level of risk you pose and calculate the cost of your premiums.

They’ll also take into account your age, smoking status, lifestyle and policy terms during this process.

If you’ve previously had a heart attack, you’re at a higher risk of having another heart attack, or a stroke.

An insurer must be cautious of this and will require further details of your condition.

This may include a conversation with your doctor and possibly a medical exam.

In many cases, a heart attack victim will be considered an impaired risk and will be referred to a specialist insurer.

Not to worry though, as our team at Reassured are experienced with handling impaired risk applicants.

They’ll do their very best to match you with the insurer most likely to accept your application.

Get in touch to arrange your life insurance after heart attack.

Life insurance pay out rates vary depending on the insurer, but overall 99.6% of all UK life insurance claims result in a successful pay out^[2].

The majority of insurers Reassured arrange policies on behalf of, achieve a pay out rate of approximately 99%.

Providing you with peace of mind that your loved ones will receive the financial protection they need when the time comes.

Cardiovascular disease (CVD), which includes heart disease and stroke, is one of the main causes of death in the UK^[3].

The insurer will require the details of your particular condition to be able to assess your application and calculate your premium.

They may also request an up to date blood pressure reading and a blood test to check your current cholesterol level.

Death from heart disease is preventable with effective treatment and/or medication and by leading a healthy lifestyle.

Efforts to improve your heart health (thus extending your life expectancy) will bode well for heart disease life insurance applications.

Although, someone with heart disease may be considered as high risk and may be referred to a specialist insurer.

A specialist insurer can help find life cover for people with pre-existing medical conditions.

Our impaired risk team have the knowledge and the experience to understand the requirements of each specialist insurer.

Compare multiple quotes for life insurance for heart disease patients using our FCA registered service.

You can still secure life insurance even after receiving heart bypass surgery.

As mentioned previously, it’s best to wait a period of time to recover before applying for life insurance.

The insurer will take into account the factors that have led to your heart surgery.

Making positive lifestyle changes to improve your health may affect the success of your surgery and can lower your risk of developing further heart complications.

This will improve your chances of securing the cover you need, at a premium you can afford.

Compare quotes for life insurance after heart bypass surgery with Reassured.

Obtaining life insurance for a young child with a heart condition may not be beneficial.

This is because if they were to become unwell, it’s unlikely to result in any loss of income, (unless one parent has to take time off work to care for them).

Your children will able to obtain their own life cover from the age of 18, possibly 17 with some insurers.

Even with a heart condition, they should be able to achieve fairly low premiums at this age.

Many adult critical illness policies can also provide a certain level of cover for your children. Some policies provide this as standard, whereas others will offer this as an optional benefit at an additional charge.

However, please note that the child isn't underwritten so any pre-existing conditions will be excluded.

So, if your child is diagnosed with a new critical illness, you can make a claim on your policy.

The amount you receive will often be capped, (usually at either £50,000 or 50% of the overall policy total) - although this will vary between insurers.