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Angina Life Insurance Guide 2024

Life insurance provides the best financial protection for your loved ones and will pay out a cash lump sum to cover expenses like mortgage or funeral costs when you die. You can often buy life insurance with a heart condition like angina, and the key is to compare quotes to find your best and cheapest options for cover.

Angina life insurance will be available from a wide range of the UK’s top life insurance companies, and you can choose between popular policies like family life insurance or mortgage life insurance. Before buying your policy, you should consider what is most important to you to protect and how much money you would ideally like to spend on your life cover.

In our latest angina life insurance guide, our insurance experts provide examples of real policies and pricing to give you a rough idea of how much your policy might cost. We have also included step-by-step guidance on how to apply, as well as our best tips to save money on your life cover this year.

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60-Second Summary – Angina Life Insurance Guide 2024

Angina won’t be considered a major problem by most life insurance companies, so it is often possible to buy affordable and suitable life insurance to protect your family. As long as your angina is well controlled, it can be much quicker than you might think to get the cover that you need.

If your symptoms are more serious or you have multiple medical conditions, a specialist insurance company will often be the best choice for you. They will normally be able to offer lower prices, as they are more understanding of people with medical conditions.

  • The severity of angina symptoms can vary massively from person to person, and the price of your life insurance will be based on your health and lifestyle when you apply.
  • Some insurance companies are better suited to people with heart conditions, so it’s a good idea to shop around to ensure that you get the right level of cover for the right price.
  • You should answer any questions that you are asked about your angina and general health honestly, or you risk your life insurance policy being invalid.
  • Critical illness insurance is another useful policy for people living with angina. These policies provide extra financial security for you and your loved ones and pay out a cash lump sum if you are diagnosed with a serious illness.
  • Critical illness insurance won’t normally pay out for angina, but most policies will pay out for serious complications of angina like heart attacks or strokes.

Most people with angina will be able to buy life insurance without any major issues, and certain insurance companies will offer life cover for people with heart conditions.

Other companies might not be as well suited to someone with angina, especially if they view someone with a heart condition as being at ‘higher risk’ of claiming. This is why it is important to compare quotes and consider your options carefully, to make sure that you are 100% happy with the policy that you choose.

Does angina affect life insurance?

Having angina doesn’t mean that your life insurance policy will work any differently, and your policy will cover the same events as anyone else’s would. The main difference is that the insurance company will want to understand more about how angina affects your general health.

You will likely be asked a few extra medical questions, and the insurance company may ask more about any family history of heart issues (e.g. heart attacks). This short video from the British Heart Foundation explains more about what angina is and how angina affects your health.

What is angina?

Many people with angina or other cardiovascular diseases get put off from applying for life insurance, as they assume that life cover will be too hard to get or won’t be available.

Angina is a common medical condition in the UK, which means it’s usually fairly simple to get the life cover that you need. Insurance companies will be used to receiving applications from people with angina, and certain insurers will offer much better pricing than others.

Angina can sometimes be a symptom of more serious heart issues, so the insurance company will often want more information from your doctor before approving your application. This will usually be in the form of a GP medical report, which the insurance company can request from your doctor’s surgery directly.

Key factors for life insurance with angina:

  • When were you first diagnosed with angina?
  • How is this treated? (e.g. medication like GTN spray)
  • Have you ever had surgery due to angina?
  • Are you waiting for surgery?
  • Does angina affect your daily life?
  • How severe are your symptoms?
  • What is your BMI?
  • Do you have any related conditions? (e.g. high cholesterol)

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Your life insurance policy will cover any past diagnosis of angina or other heart problems and will also cover any heart conditions that develop in the future. Standard life insurance policies have been designed to cover pre-existing conditions, so there won’t be any issues if you are honest in your application.

Your life insurance company will pay out a cash lump sum if you die due to a complication from angina or for any other reason. This money can make a huge difference to your family’s lives, by helping with expensive bills like mortgage payments, funeral bills, and any increased childcare costs.

It’s easy to assume that a medical condition like angina will make it far more difficult to apply for life insurance. This isn’t necessarily true, and the application process won’t be much different to the process for someone with no medical conditions.

You will be asked questions about how much cover you need, how much you would like to spend, and if you want to protect your family or your mortgage. The insurance company will then want to know a bit more information, to understand if there are any other issues with your health.

To make things simpler, our insurance experts have put together the below step-by-step guide to applying for life insurance with angina.

Step-by-step guide to applying for life insurance with angina

Number 1

Decide which type of policy you might want and think about how much cover you need. You should consider your usual outgoing expenses and how your family would cope with these if you were no longer around.

Number 2

Have a look at a few insurance companies to see which insurers might be the right fit for the life insurance policy that you need. Certain insurance companies can be more suitable for people with heart conditions like angina.

Number 3

Start the application process by talking to the insurance company directly or by applying through price comparison site or an experienced life insurance expert

Number 4

The insurance company will have a range of questions for you that assess your health and lifestyle. You should answer all the questions that you are asked honestly, and particularly any questions that relate to angina or other medical conditions that you have.

Number 5

You might need to supply the insurer with a GP medical report which gives them extra information about the health of your heart and your health in general.

Number 6

You will be approved or declined for the cover that you need based on the insurance company’s attitude to ‘risk’. If your application is approved, simply set up a Direct Debit to pay for your policy and you will be protected immediately.

Note: If you get declined for cover, we appreciate that this can be very disappointing or off-putting. This doesn’t have to be the end of the road though, and another life insurance company might still be able to provide the cover that you need.

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It is understandable to be worried that having angina could make life insurance much more expensive for you. While the price can be a little higher for some people, it is often possible to find affordable life insurance with angina.

The tables below show examples of two real customers that our experts helped to find their perfect life insurance policies in 2023. These examples are intended to give you an idea of roughly how much you could pay for your life insurance policy.

Various things will affect the cost of your life cover, and so you could pay more or less than these prices based on things like your age and the amount of cover that you need.

Case Study 1: Life Insurance

Details of applicantMr L. was born in 1980 and is a non-smoker
Angina details and informationMr L. was diagnosed with angina in 2022 which is exercise induced and treated with statins
Other health informationHeight: 5’8” / Weight: 10st7  
Mr L. also has asthma which is well controlled
Cover requirementsMr L. wanted £100,000 of life cover to protect his family over the next 20 years
Monthly premiums (£s)£31.58 per month
Guaranteed (fixed) premiums
Specialist life insurance company

Case Study 2: Over 50s Life Insurance

Details of applicantMrs M. was born in 1954 and is a non-smoker
Angina details and informationMrs M. has angina and a slight narrowing in one artery in her heart
Cover requirementsMrs M wanted over 50s life cover to help her family with the cost of her funeral
Monthly premiums (£s)£20 per month (for £3,196 of cover)
Guaranteed (fixed) premiums
Over 50s life insurance company

Life Insurance provider reviews

Critical illness insurance provides valuable protection for millions of people in the UK, by paying out a cash lump sum if you are diagnosed with a serious medical condition.

Angina is not considered to be a critical illness and will not trigger a pay out by itself. However, Angina can be a symptom of a more serious condition for which you may get a pay out on your cover. Serious complications of angina that could lead to a critical illness insurance pay out include heart attacks, strokes, or heart failure.

If you have already been diagnosed with angina, you will normally still be able to buy a new critical illness insurance policy. This type of cover will protect you if you develop a serious illness in the future and pays out a cash lump sum to support you and your family.

Note: In some cases, you could have a heart related ‘exclusion’ applied to your policy that would prevent claims for any heart related issues. If this is the case, this will be fully explained by the insurance company or broker and more information will be in your policy documents.

There are a few options when searching for the best life insurance to protect your family or your mortgage. You can look online at insurance company websites to see what policies are available and apply directly if you feel comfortable with doing this.

Another way is to compare quotes through a price comparison website, though this won’t always work well for people with medical conditions who need extra advice. Many people choose to apply with the help of an experienced angina life insurance expert who can quickly compare the best and cheapest policies for them.

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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