Left bundle branch block life insurance
It is important to get the right advice when applying for life insurance with a heart condition like left bundle branch block (LBBB). Without the help of an expert with the right knowledge and background, you could end up paying far more than you need to for your policy.
Life insurance can provide you with much needed peace of mind, knowing your family will be protected financially in the event of your death. Our heart conditions life insurance specialists can help you find the right life insurance policy at the BEST possible price.
"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."
by Elizabeth Turner-Long - 9th August 2023
What is left bundle branch block?
According to the British Heart Foundation (BHF), a bundle branch block is when electrical impulses travel through the bottom chambers of the heart more slowly than normal. This is because of a ‘block’ in the electrical pathway and often doesn’t cause symptoms or need treatment.
If the branch block is on the left side, this can be a sign of another underlying heart condition. This condition might be heart disease, cardiomyopathy, heart attack or even a reaction to certain medications.
How does left bundle branch block life insurance work?
Left bundle branch block shouldn’t cause many issues getting life insurance, though it’s still best to make sure you’re speaking to the right insurers. Some insurance providers are better than others for insuring people with medical conditions and so will be able to offer fairer prices.
If you have left bundle branch block, you will usually have to answer a few extra questions when you apply for life insurance. This isn’t something to be overly concerned about as it is just to help insurers get a clear picture of your overall health.
You may be asked questions about:
- When you were diagnosed
- If you have other related health conditions e.g. heart disease
- If you have been prescribed any medications or have a pacemaker
People with heart conditions will also in many cases be asked for further medical information, in the form of a GP report. This is something that happens all the time and doesn’t make you more likely to have your cover declined.
Can I get life insurance with left bundle branch block?
YES – while left bundle branch block is classed as a heart condition, it does not usually cause severe symptoms. This means you can often get cover at a great price from a range of mainstream insurance providers.
If your branch block is caused by heart disease or another serious condition, you will need to make sure to disclose this during your application. It is important to tell the insurer about all medical conditions you have, or you risk your cover not being valid.
We have years of experience in helping people with heart conditions find the right cover to protect their homes and families. We have helped with thousands of these applications and know exactly which insurers will be able to offer the best prices in this situation.
Life insurance works as a financial safety net, supporting your loved ones during a difficult time. The pay out from a life insurance policy can be used to cover important expenses such as:
- Mortgage or rent payments
- Household bills (Utilities)
- Funeral costs
- Cost of living
- And more…
Can I get critical illness cover with left bundle branch block?
YES – you should be able to get critical illness cover with left bundle branch block. If the block is classed as an ‘incomplete’ block, you will normally be able to cover at standard prices.
If the block is a ‘complete’ block, this can make your application more complicated. It doesn’t mean you can’t get cover, but it will be best to speak to a specialist insurance expert for help. Our experts can compare available pricing and policies to make sure you don’t end up paying too much for the cover you need.
Critical illness cover is useful to protect yourself against financial loss, in the event you are diagnosed with a serious medical condition. You can claim a cash lump sum which can be used to cover costs such as:
How much does left bundle branch block life insurance cost?
There are a few standard factors that will affect the cost of any life insurance policy:
- The amount of cover you need (£s)
- The policy term (how long you are covered for)
- The type of policy
- Your age
- Height and weight
- Smoker status
Insurers will also look at your general health and lifestyle when deciding on pricing. With a condition like left bundle branch block, insurance providers will consider:
- If you have other medical conditions e.g. heart disease
- When you were diagnosed
- Treatment or medication (if needed)
How to save on left bundle branch block life insurance
The best way to save on your policy is to speak to an expert who understands the best insurers to approach for the cover you need. It is also always useful to compare pricing across multiple providers, to make sure you don’t end up paying more than you should.
Some good ways to lower life insurance costs include:
- Reducing the amount of cover (£s)
- Changing the type of policy
- Reduce your term of cover (how long you are covered for)
Medical conditions linked to left bundle branch block
There are several medical conditions that are known to be linked to left bundle branch block (LBBB). This includes conditions like:
Expert advice for left bundle branch block life insurance
We know it can be daunting to apply for life insurance, especially if you have a heart condition like left bundle branch block. Our team are proud to be the UK’s #1 rated pre-existing conditions life insurance specialists.
If you need life insurance, critical illness cover, or income protection it is always best to get proper advice before making any decisions. If you need FREE expert advice about your life insurance, our specialist advisors have over 20 years of knowledge and expertise.