***Includes: Angina, Arrhythmia, Cardiomyopathy, Cardiovascular Disease, Coronary Heart Disease, Heart Attack, Heart Murmurs***
Life Insurance
Underwriters will ask for the following information for those seeking life insurance with a heart condition:
- What type of heart condition you suffer from
- Severity of your symptoms or attacks
- How many attacks you have had and when
- Any treatment / surgeries / medication you may have had
- Any other medical / health problems
The range of potential outcomes for Heart Conditions life insurance applications can vary significantly between insurance providers based on their view on risk and previous claims experience with your specific condition.
The terms for life insurance related to heart conditions may range from standard rates for mild conditions or isolated episodes/attacks to a decline for more severe conditions.
Critical Illness
There are various possible outcomes for Heart Conditions critical illness cover, including the potential for coverage to be offered with exclusions, such as those related to cardiovascular issues.
There are certain situations in which you may not be accepted for Heart Conditions critical illness cover due to various issues:
- Heart Attack
- Cardiomyopathy
If you have faced challenges obtaining Heart Conditions critical illness cover in the past or have been denied cover, it would be beneficial to consult with one of our advisors.
Income Protection
Heart Conditions income protection may be available to you based on the type and severity of your condition. Individuals with mild to moderate heart conditions should be eligible for Heart Conditions income protection cover without significant hurdles.
Individuals with more severe conditions or a history of a heart attack may encounter challenges in obtaining income protection for heart conditions. Specialist insurance providers might offer more flexible options for underwriting income protection for individuals with Heart Conditions, which could be a better fit for your needs.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
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