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Life Insurance, Critical Illness Cover and Income Protection for people with a Heart Condition
Getting Life Insurance when you have a heart problem will largely depend on the severity of the condition. At the point of application you will need to provide the Insurer with full details of your condition, the medication that you take and if there are any ongoing symptoms.
For mild and well controlled heart conditions (such as mild arrhythmia and innocent heart murmurs applications can often be underwritten at standard terms (no price increase). For more severe heart conditions (such as heart attacks and cardiomyopathy) Insurers are likely to offer an increased premium and request a report from your GP before offering cover. The final premiums will depend on the severity of the condition and the information your GP provides. Please see the links below to see further information about how your heart condition could affect your Life Insurance application.
Critical Illness Cover
As with Life Insurance, if you have a mild heart condition then you should be able to get Critical Illness Cover without too much difficulty and this could potentially be offered at standard terms as long as there are no other health concerns. More severe heart conditions however such as cardiomyopathy and heart attacks can make sourcing Critical Illness Cover much more difficult and in a lot of circumstances not available. We would always suggest speaking to an adviser to see if a policy of this nature can be offered for you. Please use the links below to see more detail regarding your health condition and Critical Illness Cover.
The Special Risks Bureau regularly arrange Life, Life and Critical Illness and Income Protection application requests for the following heart conditions:
- Arrhythmia (Abnormal Heart Rhythm)
- Atrial Fibrillation
- Cardiac Arrest
- Cardiovascular Disease
- Congenital Heart Disease
- Coronary Heart Disease
- Heart Attack
- Heart Failure
- Heart Valve Disease
- High Blood Pressure (Hypertension)
- High Cholesterol
- Left Bundle Branch Block
- Quadruple Heart Bypass
- Tetralogy of Fallot
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