Heart conditions are responsible for a quarter of all deaths in the UK, so being diagnosed with a heart problem can be a serious and life-changing situation to be faced with.
People who have had a heart attack, heart surgery, or suffer from heart conditions are generally considered by insurance providers to be high risk. For this reason, life insurance for people who have suffered a heart attack can be difficult to obtain and more costly. There are various factors that can affect whether cover is offered, and how much it will cost – age, medical history, and the state of the person’s health. If a person has had a heart attack, they are far more likely to be offered insurance than if they have had two or more. Contributory factors such as smoking may also be taken into consideration.
As with all insurance policies, not disclosing any major health issues will almost certainly invalidate any insurance cover.
Life insurance for those with heart conditions will usually also be subject to certain special caveats – for instance, the insurance provider will usually want to contact your doctor directly, or see your medical records.
Knowing where to start may seem daunting – but this is where we are able to assist. We can help to guide you through the process of finding, and applying for, and purchasing life insurance, and we can ensure that all your information is submitted correctly. Our good relationships with all the leading insurance companies means that we can get the best deals for you to compare, and we can make sure that we help you find the perfect policy for your needs and budget.