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LONG QT SYNDROME<br>Life Insurance Experts

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Long QT syndrome life insurance

If you are concerned about medical issues like long QT syndrome and you need life cover to protect your family, then it’s definitely something you should consider.

A life insurance policy can provide you with peace of mind that your family is financially protected if anything happens. Life cover can pay your family a tax-free lump sum if you die or if you’re diagnosed with a serious illness like long QT syndrome.

According to research, approximately 1 in every 2,000 people in the UK has long QT syndrome. Over half of people with untreated and inherited long QT syndrome are expected to die within 10 years.

long QT syndrome is a chronic condition that can be managed with lifestyle changes, such as exercise, and medications.

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Here are some of the answers to the main questions that people ask us about long QT syndrome and life insurance.

Will life insurance payout for long QT syndrome?

Yes – life insurance will pay out a tax-free lump sum to your family if you die to help them to manage financially.

If you already have a life insurance policy then you should be covered against anything like this happening in the future. It’s always wise to review your cover regularly to make sure that it is still fit for your requirements as they will often change.

You can take out life insurance for almost any purpose, but the most common reasons for this type of cover are:

  • Pay off your mortgage
  • Clear major debts
  • School fees
  • Tax planning
  • Utilities and other costs of living

Does critical illness cover payout for long QT syndrome?

There are some conditions linked to long QT syndrome that might result in a claim being paid out for critical illness cover.

Most critical illness policies will payout for a number of heart-related issues and surgeries that could happen as a result of long QT syndrome. You should check any existing critical illness cover that you have in place to make sure that it has the right conditions for you.

If you need advice or help with your critical illness cover then you can contact one of our experts to explain how it works.

Critical illness cover for heart attacks and other heart-related issues can payout for several reasons, such as:

  • Mortgage or rent payments
  • Clear debts
  • Pay school fees
  • Costs of living

Will income protection payout for long QT syndrome?

If you’re not able to work from the effects of long QT syndrome then you’ll be covered by your income protection policy.

Most income protection policies will usually payout from 4 weeks up to 12 months or 2 years depending on how severe the issues are. The benefits will also usually cover you for up to 80% of your gross monthly income to pay for:

  • Mortgage or rent payments
  • Utilities
  • Cost of living
  • School fees

Long QT syndrome can result in symptoms that may cause you to require time off work, which is where income protection can be ideal.

About long QT syndrome life insurance

There are also questions about what happens if you need life insurance after you’ve been diagnosed with long QT syndrome.

Here we explain how that works and what we can do to help you.

Can I get life insurance with long QT syndrome?

Yes – there should be several options that are available to you if you’ve been diagnosed with long QT syndrome.

Most insurers will offer life insurance with this condition, especially where symptoms are mild or moderate. There are a number of things that may have an impact on your premiums and this can vary from one insurer to another.

It’s important to speak to an expert to get the best cover to protect your family at the lowest price for your circumstances.

You might sometimes be put off applying for life insurance with long QT syndrome, but that’s often not the case and usually can be cheaper than you think.

Will long QT syndrome be excluded from my life insurance?

No – a standard life insurance policy will not exclude any pre-existing medical conditions after you’ve taken out a policy.

There are some specialist insurance products and policies that will provide cover with exclusions, so it’s worth checking. You should ideally have a standard life insurance policy with no exclusions, but if this isn’t available then other options are still worthwhile.

Will I need a medical for long QT syndrome life insurance?

There are some insurance providers who would require medical evidence for long QT syndrome applications.

It is perfectly normal for an insurance provider to request a GP report if you disclose a condition of this type. This is simply to make sure that they have the correct information and that your claim would pay in the event of death.

You don’t need to do anything if this happens, your report will be applied for and paid for by your chosen insurer.

Life insurance questions for long QT syndrome

Here are some of the main questions that you might be asked if you disclose long QT syndrome on your life insurance application:

  • Are you outstanding any scans test or investigations?
  • When did you first have symptoms?
  • Provide details of any treatment, symptoms, and details of any reviews?
  • When did you last experience symptoms?

You must make sure that you answer any questions as honestly as possible, unless you don’t know then you may need to refer to your GP.

How much is life insurance with long QT syndrome?

The cost of cover and your premiums will vary dependent on several key factors which include:

  • Sum assured (amount of cover)
  • Term of policy (years)
  • Date of Birth
  • Smoker status

You should also be able to keep your premiums down simply by applying to the best insurer for your age and situation.

Medical conditions linked to long QT syndrome

Here are several medical conditions that can be linked to long QT syndrome and may happen as a result of this condition:

Common questions about long QT syndrome

People most commonly ask the following questions about living with long QT syndrome and what to look for:

Can you live a long life with long QT syndrome?

There is no known cure for long QT syndrome (LQTS) so this is classed as a ‘chronic’ medical condition. The potential effects of the erratic heartbeats can be fainting, seizures and possibly even sudden death in severe cases.

What is the rate of mortality for long QT syndrome?

There are several reasons why long QT syndrome is classed as a serious condition. According to statistics, symptomatic patients who have not received treatment have a dramatically increased mortality rate (21% within 12 months from 1st syncope).

Can anxiety cause long QT syndrome?

There is conclusive evidence that anxiety is linked with increased QT dispersion, which can result in cardiac arrhythmias.

Useful resources for long QT syndrome

Here are some useful links and resources that we found for people looking for more information about long QT syndrome:

NHS Choices – long QT syndrome
Link: https://www.nhs.uk/conditions/long-qt-syndrome/

British Heart Foundation – long QT syndrome
Link: https://www.bhf.org.uk/informationsupport/conditions/long-qt-syndrome

Rare Diseases Database – long QT syndrome
Link: https://rarediseases.org/rare-diseases/romano-ward-syndrome/

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