Having angina can make it unnecessarily difficult for you to get life insurance and we've made it our business to help and simplify the process. Yes, having angina means that your heart is working a bit harder than “normal”, but that doesn't mean that your needs are any different to anyone elses.
Here are a few things that we need to know about your health:
For people suffering with angina, standard terms of life insurance are rarely available unfortunately. However, insurers will often offer cover on special terms. This usually means higher premiums. What the insurer will want to know is the frequency of your symptoms, your BMI and any other related conditions such as high blood pressure and cholesterol. In some cases, the application may need to be placed before a specialist insurer. It is likely that the insurance provider will ask for a report from your GP regarding your present state of health and how the angina impacts upon you.
For all of our customers suffering from angina we endeavour to get the best, most suitable life insurance policy, offering financial peace of mind. And just as importantly, we take the hassle out of it for you.
As with life insurance, critical illness cover is available for people suffering from angina most often through specialist insurers. Again, standard terms are unlikely to be available for you, so most policies will incur higher costs or exclusions for any claim relating to your heart. We will try to find the best policy that is most relevant for you and our insurance advisers will help you through the application process and provide any help you may need.
As with other types of policy, income protection applications will need to detail the frequency at which you experience symptoms, the medication you use, when you were diagnosed and how well your condition is controlled. The insurer will want to know how much time, if any, you've taken off work as the result of the condition. It may well be that policies offered will come with increased premiums and exclusions regarding pre-existing conditions.
If you do find that the terms for Income Protection simply don't suit you, then Accident, Sickness and Unemployment Cover might be more suitable. This sort of policy will provide you with a monthly income replacement of 12 to 24 months if you find yourself unable to work due to long term injury, disability or voluntary redundancy.
Unlike Income Protection Cover applications, there is no medical underwriting required. In other words, the fact that you have angina won't have any influence on the terms you are offered. That does make the application process simpler, but you should also be aware than that you won't be able to make a claim relating to pre-existing medical conditions on the policy – so if you can't work as a result of your Angina, this isn't going to be covered on the policy.
If you're planning a holiday or a getaway any time soon, then speak to a specialist travel insurance broker who can help you to get the right cover based on your condition. Find out more by visiting our travel page here.
What is Angina
Typically angina occurs when the blood flow to the heart becomes restricted due to a narrowing of the arteries (atherosclerosis). In the case of stable angina a flare up may occur due to a trigger activity such as exercise, at which point the hardened arteries to the heart struggle to cope with the increased blood flow caused by physical exertion. Stable angina will usually settle after a few minutes of rest. Unstable angina is generally treat as a medical emergency as the symptoms quickly onset with no direct cause.
Also: Stable angina, unstable angina, variant angina (coronary artery spasm/Prinzmetal's angina), cardiac syndrome X (microvascular angina).
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have angina include:
Medications and Treatments
Further Reading and Research
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1. My angina has improved since losing weight. Can I get standard terms of life insurance?
It's great news that your condition is better controlled thanks to lifestyle changes. However, it is still really rare for an insurance provider to offer standard terms to someone with angina.
Nonetheless, most will offer special terms and if your condition has improved, this will stand in your favour generally. We have had people come to us for help, because they have been declined life insurance due to their health. Please do not be concerned if this is the case for you, we are specialists at finding insurance for people that have previously been refused cover.
2. Can I get income protection if I have angina?
Whether or not you are successful in an income protection application as someone with angina depends very much on the severity of the condition and how it has historically impacted your ability to work.
If you are offered a policy, it is likely that personal insurance policies will exclude claims related to the angina. There are income protection policies that may be available through your employer (or your own Limited company if you have one) that could provide some level of cover that would include claims relating to the angina.
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Review by Malcolm on 9th November 2018
“Fantastic service from start to finish. I now have Life Insurance in place for my wife and I.” - 5
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