Heart disease life insurance Experts
Life insurance for people with heart disease can be extremely important before and after diagnosis. This is the best way to protect your family and your home if you’re diagnosed with a serious medical condition or if you were to pass away.
There are approximately 7.6 million people living with heart disease or circulatory disease in the UK, which is 4 million men and 3.6 million women.
According to reports by the British Heart Foundation (BHF), heart disease accounts for 160,000 deaths every year (25% of all deaths). This means that on average 460 people die every day from heart disease in the UK.
It’s important to make sure that you have the right cover in place to protect your loved ones and to make sure that you pay the right price. Our team are insurance experts and know which life insurance companies and policies work best for people with heart problems.
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Will life insurance cover heart disease?
YES – if you have a life insurance policy and are diagnosed with heart disease you should still be covered.
If you are looking to take out a new policy, there are still excellent options for cover after diagnosis, with the right advice from an experienced advisor.
Our team have helped thousands of people with heart issues find the best life cover to protect their home and families.
What is considered heart disease for life insurance?
There are several types of heart disease including arrythmia, heart failure, heart valve disease and coronary artery disease.
Any of these illnesses or any other heart conditions will need to be disclosed on a life insurance application. These conditions won’t necessarily prevent you getting cover, but insurers will want to consider their impact on your general health.
It is important to answer any questions about your medical history as honestly as possible, to avoid the chance of your cover being invalidated at a later point.
Is AFib considered heart disease for life insurance?
AFib (better known as atrial fibrillation) is a type of arrythmia, meaning people with atrial fibrillation have an irregular heart rate.
While it is a heart condition, it won’t necessarily be classed as disease by all insurers. They will however take this condition seriously and may request additional medical evidence or GP reports before approving cover.
It is definitely possible to get life insurance if you have been diagnosed with atrial fibrillation as long as you get the right advice from an experienced advisor.
Does life insurance pay out for heart disease?
YES – we all know that heart problems can be serious and in the event of death, your life insurance will pay a cash lump sum to your family.
Heart disease is one of the biggest reasons for life insurance claims in the UK so it’s a major concern for many. If you are concerned about this particular condition and you have dependents then you should consider taking out cover.
In the event of issues with your heart in later life, your policy can give you the peace of mind that your family are properly protected. Losing a loved one can be catastrophic for many people and the financial impact is likely to cause more strain on those left behind.
You can take out life insurance for many reasons, including:
- ·Mortgage protection
- Debt consolidation
- Tax liability
- School fees
- Business protection
Your life insurance policy will ensure that your family doesn’t suffer or struggle financially if you are no longer able to provide for them.
How does heart disease life insurance work?
Heart disease life insurance will work similarly to any life insurance policy with a pre-existing medical condition. You will be asked questions about your overall health and lifestyle as well as questions relating to your heart specifically.
Insurers may ask things such as:
- If you have been hospitalised due to your medical condition
- If you are having treatments or are on medication
- Whether you have other related health conditions
Each insurer has its own underwriting criteria and therefore will look at your health differently. It’s important to make sure that you give yourself the best opportunity to get the right cover and pay less, which is where an expert will be able to help.
You shouldn’t worry too much if you have been refused cover in the past, as there should still be options available for you.
Can you get life insurance if you have heart disease?
YES – if you have been diagnosed with heart disease you may wonder “can someone with heart disease get life insurance?”. The answer is yes you can, and you can even save by speaking to life insurance expert.
There are a number of life insurance options for people with heart disease and they can vary depending on your situation.
In most cases, you should be able to get life insurance from the standard insurers. It’s important to make sure that you’ve got the best life cover to protect your family if anything happens, especially with a history of health problems.
There are also a number of options for people who have more severe health problems from heart disease. You should speak to an expert advisor in this situation to find out what options are available.
Can I get life insurance congenital heart disease?
Congenital heart disease refers to a heart condition or defect that has been present since birth. This a very common birth defect which affects nearly 1 in 100 babies that are born in the UK.*
Whether you have developed heart issues at birth or later in life, insurers will likely assess your conditions similarly.
As long as your symptoms are not severe and your condition is well managed, you should be able to get cover, though some insurers may be better for providing cover than others.
How much is life insurance for heart disease patients?
The cost of your life insurance will always be based on several standard factors which include:
- Your age
- Amount of cover (£’s)
- Length of policy (term)
- Smoker status
- Type of cover
Once you’ve established this then you’ll be able to figure out what is affordable after your health has been taken into account.
There are some key indicators to think about for any health or medical condition which will be assessed through underwriting. Some of the different areas that would be taken into consideration will be:
- Medical condition(s)
- Severity and management of symptoms
- Date of diagnosis
- Medication / treatment
Cheaper heart disease life insurance
It is also possible to reduce your life insurance premiums by following some simple steps that can have an impact.
Some of these areas include:
- Expert advisors should have relevant experience and expertise to get you the best cover at the right price, and more quickly
- A heart disease insurer is a provider who is more flexible in underwriting for this type of medical condition
- Lifestyle changes can also help to reduce your premiums over time if you can manage your weight, blood pressure, cholesterol and alcohol consumption
- Cover type and amounts can be adjusted to suit your budget if you are unable to afford the full amount… some cover is better than none
Best heart disease life insurance
There are several product types and cover options when applying for life insurance. It is especially important for those with health issues to make sure they are choosing the right policy type for their needs.
You can manage your options and the premiums that you pay for heart disease life insurance by selecting a suitable product.
Some common life insurance options include:
- Term life insurance (family protection) is the most common type of cover as it is a level policy designed to protect your dependents
- Mortgage life insurance (decreasing protection) is designed specifically to protect your mortgage (repayment) as it reduces at the same rate
- Family income benefit is a less common policy that provides a monthly income for the remaining policy term which can be more affordable
- Whole of life insurance is a type of cover that can be used for more specific areas such as tax planning
Can you get critical illness cover with heart disease?
There are some potential critical illness cover options for people with a history of heart issues. It might seem difficult but there are some standard cover options available in some instances and some non-standard cover options.
You might find that you would also be offered cover for people with heart conditions that could have a cardiovascular exclusion (meaning you cannot claim for heart related issues).
Exclusions can vary from one insurer to another so it’s important to speak to an expert to get the best options.
Medical conditions linked to heart disease
Here is a list of the most common medical conditions that are connected to heart disease or that can be caused by this condition:
- Heart failure
- Heart attack
- Peripheral artery disease
- Cardiac arrest
- Hypertension (high blood pressure)
- Diabetes (Type 1 and Type 2)
- High cholesterol
- Coronary heart disease
Any cardiovascular risk can carry many different health complications and potential medical risks.
Common questions about heart disease
There are some common questions that people are asking about heart disease and living with this condition, including:
|What are the 4 main types of heart disease?||Some people may or may not be aware that there are different types of heart disease, the 4 most common are: |
Coronary heart disease
Heart valve disease
|What are the main symptoms of heart disease?||The most common symptoms linked to heart disease include: |
Pressure and discomfort (angina)
Shortness of breath
Weak or cold limbs (narrowed arteries)
Neck, jaw, throat, abdomen or back pain
|What is the life expectancy for someone with heart disease?||It is possible to live a ‘normal’ life with a diagnosis of heart disease, even for those who have had heart failure. There is a strict plan to follow which will include treatment, medication, diet, and lifestyle changes.|
Expert advice for life insurance heart disease
It is important to get the right life cover to protect yourself and your family, particularly if you have a serious medical condition.
It can be far easier to find the best policies with advice from an experienced advisor with the right background.
Our team are the UK’s #1 rated pre-existing medical conditions life insurance experts. We have helped many people with heart disease and cardiovascular conditions find the right cover without having to pay unreasonable prices for it.
*according to the NHS