When you apply for Life Insurance, left bundle branch block and any associated heart disease need to be declared on your insurance application. Where left bundle branch block is present, is classed "incomplete" and there are no major contributory heart conditions some insurance providers may be able to offer you standard terms for your Life Insurance policy. If the left bundle branch block is "complete" and there is no significant heart disease then you may still be able to secure Life Insurance at normal premiums.
Where there is associated heart disease with left bundle branch block it is possible that your Life Insurance policy will be accepted at non-standard terms (a premium loading). We can place your application with the correct insurance provider for you to ensure that you get the best terms available for your Life Insurance.
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Critical Illness Cover
Similarly to Life Insurance, Critical Illness Cover for those with left bundle branch block and no major heart disease could be available at standard terms; where the block is classed as incomplete. When a complete block is present, whether there is associated heart conditions or not, the Critical Illness application may be subject to special terms. This is likely to be an exclusion on the claims set for heart related conditions.
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Income Protection for people with an incomplete left bundle branch block and no significant heart disease may be available at standard terms with specific insurance providers. If the left bundle branch block is classed as complete the policy may be subject to non-standard terms, regardless of whether any heart disease is present. This will likely be in the form of a premium increase and/or exclusion for heart related claims.
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If you find that the terms provided for Income Protection do not meet your expectations then it is worthwhile considering Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy will provide you with 12-24 months of income replacement should you be unable to work due to disability, significant injury or involuntary redundancy. These policies do not take your medical history into account during the application process, but any pre-existing medical conditions will be excluded from the policy claims set.
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Some potential problems experienced by individuals who have left bundle branch block include:
- Breathlessness when exercising
- Treatment based upon underlying cause