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Life insurance with Heart Conditions

If you have a heart condition, you might be worried this will affect your chances of getting the cover you need to protect your home and family. In the UK, it is extremely common to have heart conditions and insurers will have seen thousands of applications from people in your position.

7.6 million people in the UK live with heart or circulatory diseases and there are 260 hospital admissions every day due to heart attacks.*

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Will life insurance cover heart conditions?

YES – in fact there are some great policies available for life insurance with heart conditions that can offer excellent cover.

If your heart problems are more serious, it may just be that a specialist provider will be better suited to providing the cover you need.

Life insurance is the #1 way to protect your family, ensuring they will not face financial difficulties in the event you were to pass away. Having cover in place can give you peace of mind knowing your family will be well taken care of.

Does life insurance pay out for heart conditions?

YES – if you have a heart condition you should still be able to receive a life insurance pay out.

If you were to pass away, your loved ones will receive a pay out that can help to cover big expenses such as funeral bills or mortgage payments.

We are the UK’s TOP RATED SPECIALISTS for life insurance with pre-existing conditions and understand the difficulties that can sometimes be faced when going directly to providers.

How does life insurance with heart conditions work?

When applying for life insurance with heart conditions, the insurance provider will ask questions about your general health and lifestyle. This is standard when applying for cover with a pre-existing condition.

Depending on what heart condition you have (or if you have more than one medical condition), the insurer may also request a medical report from your GP. They will do this to assess the impact of your heart condition on your overall health before approving or declining your cover.

Can I get life insurance with heart condition?

YES – There is a considerable amount of people in the UK living with heart conditions. This means that over the years insurers will have seen applications from many people in the same situation.

In most cases, it should still be straightforward to find a level of cover to suit what you are looking for. You may have issues affecting your arteries and blood vessels but some cases can be milder than others, with less symptoms.

Cheaper life insurance with a heart condition

The best way to find a policy at a lower price is to compare what prices providers are currently offering. This will help you to determine which insurers will offer the cover you need at the best price to suit your budget.

The price of your policy may be affected by things such as:

  • How severe your symptoms are
  • If you have had any surgeries
  • Any medications you are prescribed
  • How long ago you were diagnosed

Best life insurance for heart conditions

The ‘best’ life insurance for someone with a heart condition will depend on how much cover you need and how much you are willing to spend. You can get brilliant policies that are extremely cost effective, even if you have problems with your heart.

Types of cover available include:

Why do I need life insurance with heart condition?

There are many different heart conditions with varying symptoms and levels of severity. Each come with their own challenges and ways of managing and treating symptoms such as chest pain.

There are many health conditions that can affect the health of the heart muscle including coronary heart disease affecting the coronary arteries, heart attacks, angina and more.

Often if you have one heart condition you may also have another heart issue or another related condition such as having had a stroke for example. You can also be more at risk if you have a family history of heart issues.

Medical conditions linked to the heart

If diagnosed with one or more medical conditions, this may have left you considering your family’s future and the best way to protect them. Life insurance provides your family with a safety net, so they do not struggle if you are no longer around to help provide for them.

There are various medical conditions that can affect the heart, including but not limited to:

If you have any of the above conditions, life insurance is not out of reach. We have years of expertise in finding great life insurance for people with heart conditions.

We can also help with other types of cover including income protection insurance and critical illness cover – to help you keep your loved ones well protected.

Frequently asked questions about heart conditions

What are the 5 most common heart problems?The most common heart related medical conditions are:

Heart attack
Heart disease
Heart valve complications
Heart failure
What is the most common heart condition?The most common heart condition in the UK is coronary heart disease (CHD).

Find out more – British Heart Foundation – Factsheet
Can I get life insurance if I have a heart condition?YES – People with heart conditions will be able to get life insurance in most cases.

*according to the British Heart Foundation

Related articles

World Heart Rhythm Week 2023

Useful resources for heart conditions

British Heart Foundation (BHF) – Support

Heart UK – Cholesterol Helpline

National Heart and Lung Foundation – What we do

Cardiomyopathy UK – Support Groups

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