Life insurance
with heart condition

Yes, you can get life insurance with a heart condition.

However, the severity of your condition and your personal circumstances will determine the options available to you.

You may be able to secure life insurance with a standard insurer, but your premiums might be inflated due to the increased risk.

If a standard insurer won’t offer you a policy, then a specialist insurer may be able to provide you with the cover you need.

Specialist life insurance policies start from £15 a month^‡ and it’s possible to secure between £20,000 and £3,000,000 of cover depending on your needs.

If you’re looking to secure a lower cover amount and you’re aged between 50 - 85, then there’s also the option of over 50 life insurance.

This is type of policy which doesn’t require any medical information and acceptance is guaranteed, no matter your health status.

A pay out is also guaranteed when you pass away (after a waiting period of 12 or 24 months, depending on the insurer), rather than if you should pass away during a set term.

Premiums for over 50 life insurance start from just £5 a month ⁺ .

Whatever your circumstances may be, get in touch with Reassured and we can help to explore your available options.

In most cases, no, you won’t be required to undergo a medical exam.

However, if your heart condition is severe, for example you’ve experienced a heart attack, heart failure or stroke, then your application may require manual underwriting.

This means an insurer may request access to your medical records or require you to undergo a medical exam before offering you a policy.

They must obtain your permission to access your medical records and if a medical exam is required, then they’ll cover the cost.

For all heart conditions, factors such as your lifestyle, smoking status and your age are key to determining the outcome of your application.

We look at these factors more closely to explain how they can affect your application and the cost of your life insurance premiums.

As mentioned previously, life insurance can be available to people with heart disease.

However, it depends on your individual circumstances and the severity of your condition.

Whist there are some factors which are beyond your control, it’s still important to maintain a healthy lifestyle to reduce your risk of a heart attack or heart failure in the future.

Insurers are more likely to approve your application if they see evidence that you’re making healthy lifestyle choices.

If your condition has led to angina, heart attack or heart failure then you’ll find it trickier to secure standard life insurance.

In this case, your application may be referred to a specialist insurer.

As mentioned, specialist insurers are able to offer adequate cover to people who have pre-existing medical conditions. Life policies through specialist insurers can start from £15 a month.

Alternatively, if you’re aged between 50 and 85 then you may consider an over 50s plan. This is because you don’t need to disclose your heart condition when applying for this type of policy.

Reassured can help you compare all of your available options, saving you the time and hassle.

Our award-winning service is fee-free, so get in touch and we’ll do our very best to secure you the financial protection you need.

Yes, it’s still possible to obtain critical illness cover (CIC) after a heart attack.

However, it’s likely that you’ll pay more for cover than someone who doesn’t have a pre-existing condition.

Critical illness cover will pay out a cash lump sum if you’re diagnosed with a critical but non life threatening illness.

It can also cover a range of heart conditions, but if you suffer from heart disease or have had a heart attack previously, then your policy may exclude some or all of the related conditions.

This means you wouldn’t be able to claim if you had another heart attack or developed another serious illness as a result of your heart condition.

Life insurance is often available after a stroke, depending on the severity of the stroke.

For some people, the effects of a stroke can be minor, while others can be left with life-changing health complications.

The recovery process is different for everyone too.

It’s sensible to wait a period of time after the stroke before applying for life insurance.

One major factor that’ll affect your life insurance application is whether you’ve had a full stroke or a mini-stroke (transient ischemic attack - TIA).

It’s much easier to underwrite an application for someone who’s suffered a mini-stroke; on the basis that you’re making efforts to reduce your risk of having another (full) stroke, such as maintaining a healthy lifestyle.

Another major factor is the cause of the stroke.

For example, if you suffer from high blood pressure or atrial fibrillation, your application may be much more difficult to accept.

In any case, our dedicated team at Reassured will do their utmost to help you find a suitable insurer.

Compare quotes for stroke victims using our fee-free brokerage today.

A normal blood pressure reading will show systolic and diastolic readings under 140/90 mmHg.

If you have high blood pressure, your reading will show between 140/90 and 180/110 mmHg.

In regards to high blood pressure and life insurance, an applicant with a reading of less than 142/88 and not taking any medication is likely to secure cover on standard rates.

If your blood pressure is anything over 177/106 mmHg it’s most likely your application will be declined and you may be referred to a specialist insurer.

Either way, get in touch with our award-winning team and they’ll do their best to find you suitable cover.

You could 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 which 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 that’s within your budget.

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