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Pulmonary embolism life insurance

A pulmonary embolism (PE) is a severe and potentially life-threatening condition, which is caused by a blood clot in your lungs. Experiencing such a serious medical issue may leave you thinking life insurance will simply be out of reach for you.

What is a pulmonary embolism?

A pulmonary embolism usually happens when a blood clot develops in your leg (deep vein thrombosis or DVT). This clot then detaches and makes it way up to your lungs. The blood clot blocks one of your blood vessels, which can be life threatening if not found and treated promptly.

Symptoms of a pulmonary embolism:

  • Difficulty breathing
  • Coughing up blood
  • Pain in your chest or upper back
  • Faster heart rate
  • Dizziness
  • Low blood pressure (hypotension)
  • Pain, redness or swelling in your leg (deep vein thrombosis)

Risk factors of developing DVT or a pulmonary embolism include:

  • Sitting for long periods of time e.g. on a long haul flight
  • Drinking too much alcohol or caffeine
  • Smoking
  • Family history of blood clots
  • Certain medical conditions or medications e.g. chemotherapy
  • Age
  • Pregnancy

YES – life insurance can be available for people who have had a pulmonary embolism. In fact, you may be able to find a very cost-effective policy with the right support from an insurance expert.

If you have only ever experienced one pulmonary embolism, this can make it simpler to get cover at standard prices. If you have had multiple embolisms, don’t worry that you will not be able to get cover. It will just be even more important to get proper advice before you apply, so you don’t pay more than you need to.

Our life insurance specialists have years of expertise and are proud to be #1 rated for pre-existing conditions life insurance.

Does life insurance pay out for pulmonary embolism?

YES – if you were to develop a pulmonary embolism that leads to your death, your life insurance policy will pay out a cash lump sum.

If you have previously experienced a pulmonary embolism, you will need to declare this on your application. Failure to do this could lead to issues with your policy paying out or it being declared invalid.

How does pulmonary embolism life insurance work?

All life insurance applications will contain basic questions about your health and lifestyle. This includes questions about age, weight, smoker status etc. This is to help insurers get a full picture of your health before approving or declining cover.

If you have experienced one or more pulmonary embolisms, you will be asked a few extra questions when applying for cover such as:

  • When did you have a pulmonary embolism?
  • What caused your pulmonary embolism (if known)?
  • Did you need surgery to treat this?
  • Are you on any medication to prevent further embolisms?
  • Have you had more than one pulmonary embolism?

Can I get life insurance with pulmonary embolism?

YES – you should be able to get life insurance after a pulmonary embolism. However, some insurance providers are far better for covering pre-existing medical conditions.

If you have ever had your application declined due to a pulmonary embolism, don’t be disheartened. It could be that you have simply applied to the wrong provider for the cover you need.

Can I get critical illness cover with pulmonary embolism?

YES – it can be possible to get critical illness cover after a pulmonary embolism, especially if you did not need surgery or strong medication to treat it. If you have a pre-existing medical condition, it is always best to get advice from an insurance expert before applying for critical illness cover.

Often the insurer will request a report from your GP, to check what impact the pulmonary embolism has had on your health. This is a straightforward process, and the insurer will source all this information themselves.

Critical illness cover can provide you with a cash lump sum if you are diagnosed with a serious medical issue. This can be used to cover expenses such as:

  • Paying mortgage or rent payments

  • Cost of living for a period of time

  • Adjustments to the home

  • Treatment to help your condition

How much does pulmonary embolism life insurance cost?

Everyone will pay a slightly different price for life insurance, even with the same medical conditions. This is because there are many factors that go into calculating the price of life insurance policy. Insurers will consider things such as:

  • Age
  • Height and weight
  • Smoker status
  • How much cover you need (sum assured £s)
  • Length of cover (policy term)
  • Type of policy (term vs whole life cover)

After a pulmonary embolism, insurers will also look at:

  • How long ago you had the embolism
  • How it was treated
  • If you have other medical conditions

The best way to save on your life insurance is to compare available policies across the market. This helps you be certain you are getting the cover you need at the most affordable price. Our experts can perform a quick and easy comparison for you to make sure you don’t pay too much for the cover you need.

Some other tips for saving money on your life insurance:

  • Reduce your cover amount (£s)
  • Reduce the policy term (how long you are covered for)
  • Switch to a different policy type (e.g. whole to term life insurance)

Here are some medical conditions that are known to be linked to pulmonary embolisms:

We are proud to be the UK’s #1 rated specialists for pre-existing medical conditions life insurance. If you are worried that you will not be able to get cover because of a pulmonary embolism, our experts are here to help.

Life insurance is the best way to protect your home and family, providing much needed financial support if you die. This can give you peace of mind that your loved ones will not struggle at an already difficult time.

Useful resources

NHS – Pulmonary embolism

WebMD –  What is a pulmonary embolism?

Mayo Clinic – Pulmonary embolism: Symptoms and causes

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