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Heart disease life insurance

Life insurance is the best way to protect your family and your home if you’re diagnosed with a serious medical condition or if you ultimately die.

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. A life insurance or critical illness policy can be extremely important for someone with heart disease or another circulatory problem.

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.

There are approximately 7.6 million people living with heart disease or circulatory disease, which is 4 million men and 3.6 million women.

Life insurance for people with heart disease can be extremely important before and after diagnosis, so here we explain more.

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Our team of passionate and extremely knowledgeable medical conditions experts has helped to protect thousands of families. We understand more than most, how things like heart disease can affect life insurance and the impact it can have on your loved ones.

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Does life insurance payout for heart disease?

Yes – we all know that heart disease 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 heart disease in later life then 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.

Will critical illness cover payout for heart disease?

Yes – there are many different areas for heart disease where your critical illness cover might payout to you and your family.

As one of the leading causes of death and a serious medical condition, this is exactly what a critical illness cover policy is designed for. Many people with heart disease can live for several years after an event, such as a heart attack.

You can also make changes to your lifestyle after an attack which means that you can live for longer. If you suffer from heart disease and require surgery then your policy can help you to recover from this without having to worry financially.

Some of the main reasons why people take a policy for heart disease:

  • Pay your mortgage or rent for a period of time
  • Replace your income for several years
  • Pay for school fees and education costs
  • Pay utilities and other essential outgoings

It is likely that you might need to have some time off work for a period of time if you have heart disease and suffer an attack.

Does income protection payout for heart disease?

Yes – if you’re unable to work for a period of time (usually more than 4 weeks) due to sickness from heart disease then your policy will payout.

Income protection will continue to pay out for periods of usually 12 or 24 months depending on your cover. Once you’ve been signed off by your GP then your policy will help you financially by replacing your income.

There are many reasons why heart disease can cause you to have long-term sickness which is exactly what this type of cover is for. Most people with this condition will require some time off work at some point, which could be for surgery, treatment, or symptoms.

An income protection policy is specifically designed to pay out for:

  • Mortgage or rent payments
  • Treatments or medication
  • School fees
  • Utilities and bills
  • Other outgoings

Most policies will allow you to cover up to 60 or 80% of your Gross income which should roughly equal your Net pay.

About heart disease life insurance

The other element that we provide expert advice for is for those with heart disease looking for life cover.

Here are the answers to some of the most common questions people ask.

Can I get life insurance with heart disease?

Yes – 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 with heart disease 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.

What if I’ve been declined heart disease life insurance?

It won’t matter if you’ve been declined life insurance in the past because of heart disease or other health problems.

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 about being refused cover in the past as there should always be an option.

How much is life insurance with heart disease?

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 take into account 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)
  • 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 life insurance for heart disease

There are several product types and cover options when applying for life insurance and especially important for those with health issues.

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 with heart disease (family protection) is the most common type of cover as it is a level policy designed to protect your dependents
  • Mortgage life insurance with heart disease (decreasing protection) is designed specifically to protect your mortgage (repayment) as it reduces at the same rate
  • Family income benefit with heart disease is a less common policy that provides a monthly income for the remaining policy term which can be more affordable
  • Whole of life insurance with heart disease is a type of cover that can be used for more specific areas such as tax planning

Can I get critical illness cover with heart disease?

There are some potential critical illness cover options for people with a history of heart disease. 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 disease that could have a cardiovascular exclusion.

Exclusions can vary from one insurer to another so it’s important to speak to an expert to get the best options.

Is income protection available to people with heart disease?

You might also be able to get income protection or other similar policies such as personal accident cover with a history of heart disease.

There are lots of different options for these types of policies that can also have very underwriting criteria. You will need to get advice from a specialist who has access to multiple products and services in this situation.

It is also possible that you could be offered a policy with some exclusions based on your health, which could be similar to critical illness cover. Exclusions might include the full cardiovascular system or anything specific to heart disease.

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:

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 four most common are:

  • Arrhythmia
  • Coronary artery disease
  • Heart failure
  • Heart valve disease

What are the main symptoms of heart disease?

The most common symptoms that are linked to heart disease include:

  • Chest pain, tightness, pressure, and discomfort (angina)
  • Short of breath
  • Pain, numbness, 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.

Useful resources for heart disease

Here are some useful links and resources that we found for you about heart disease and living with this condition.

NHS Choices – heart disease

British Heart Foundation – heart disease

Heart Research UK – heart disease

Heart UK – heart disease

Pumping Marvellous Foundation – heart disease

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