Getting life Insurance with Angina
Angina is a very common condition and it’s often easier to get life insurance with angina than you might think. Many people are put off applying for life cover because of medical conditions such as angina and other cardiovascular diseases.
It’s important to get the very best cover to protect your family but it’s also critical not to pay more than you need to. Our experts at iam|INSURED have years of experience getting the best cover to protect families and making sure they PAY LESS.
Angina is a condition where the blood flow to your heart is reduced, and the main symptom is chest pain. This pain usually:
- Makes your chest feel tight or heavy and may spread to your neck, jaw, left arm or back
- Can be triggered by stress or physical strain
- Stops after a few minutes of rest
Angina is becoming more and more common. According to Dr Chris Arden of GM Journal, there are an estimated 2 million people in the UK with the condition and an additional 96,000 new cases each year.
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About Life Insurance for Angina
Life cover is available if you have Angina, so you can rest easy knowing that your family would be taken care of should something happen. Other options, such as critical illness cover and income protection, are also available in certain circumstances which can help to cover your rent, mortgage, and family costs.
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Does Life Insurance Cover Angina?
YES – you can get life insurance if you have been diagnosed with Angina. Because of the possibility of Angina being a symptom of something more serious, it is possible that the insurer will want to gather further information from your doctor or GP, but this doesn’t affect your eligibility for life insurance.
Angina can be a warning sign of:
In addition, some other conditions can increase your risk of developing Angina or coronary artery disease, including:
- Diabetes can raise your cholesterol levels, which increases the risk of coronary artery disease, and this leads to Angina.
- High blood pressure damages your arteries and speeds up the rate at which they harden, and in some cases, this causes Angina.
- Obesity or high BMI. Being overweight means that your heart has to work harder to supply blood to your body and is also linked with high cholesterol, high blood pressure, and diabetes – all of which increase your likelihood of developing Angina.
- Lack of exercise can also contribute to all of the above. However, if you have an inactive lifestyle, it is important to take advice from your doctor before starting an exercise program.
It’s always worth taking out a life insurance policy, especially if you have a family or need to cover a mortgage, even if you have Angina.
Does critical illness cover payout for Angina?
NO – Angina is not considered to be a critical illness and will not trigger a payout by itself. However, Angina can be a symptom of a more serious condition for which you may get a payout on your cover.
It is worth noting that if you already have Angina when you apply for critical illness cover, your policy may exclude related conditions.
Read more about CRITICAL ILLNESS COVER
Does income protection cover Angina?
YES– if you take out income protection and then get diagnosed with Angina, your policy will help to ease your financial hardship if you have to take time off work due to your condition.
The usual amount covered by most insurers who offer income protection is normally 60% of your gross income and you can generally claim on your cover for 12 – 24 months. You can also claim as many times as you need during the life of your policy. Whatever the reason, you will still be able to look after your family or keep up with mortgage payments during your absence.
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How can I get life insurance if I have Angina?
If your Angina is well controlled, then you can get life insurance quickly and easily through most providers. Some insurers may request medical evidence so that they can determine the severity of your condition. More severe cases may cause the insurer to request medical evidence so they can fully underwrite your policy, but we can help you find options if you have angina of any severity.
Is Angina life-threatening?
Angina isn’t usually life-threatening on its own, but it can be a warning sign. The chest pain associated with Angina is caused by reduced blood flow to your heart muscles, which could increase your risk of a heart attack or stroke. You can reduce the risk of these more serious problems with treatment and by making healthy lifestyle changes.
What does an angina attack feel like?
With Angina pain you may feel pressure or a squeezing sensation in your chest, and you may also experience discomfort in your back, neck, jaw, shoulders, or arms. Some people even report that the pain feels like indigestion.
What are the 3 types of Angina?
- Stable Angina occurs when your heart has to work harder than usual – such as when you exercise. This is the most common type.
- Unstable Angina doesn’t follow a pattern and can therefore happen without exercise. This is the most dangerous type.
- Variant Angina is the least common type and happens when you are resting.
Can Angina just go away?
Angina can sometimes go away if you make healthy lifestyle changes, but most people need medication to ease or prevent Angina. People with more severe cases may even need a procedure to open or bypass blocked arteries.
What triggers Angina?
Angina is caused by reduced blood flow to your heart, which in turn causes chest pain. Therefore, the main cause of Angina is narrowed arteries which slow down blood flow to your heart.
If you already have Angina, the pain can be triggered by doing exercise or physical activity, but other factors can contribute to narrowing arteries and should be avoided, such as:
Useful resources for Angina
Here are some links you may find useful if you’d like to learn more about Angina.