Life Insurance with Pulmonary Embolism

Life Insurance

Experiencing a pulmonary embolism can be a cause for concern and may linger in your thoughts. You may be curious about the potential outcomes of having one again, and how you and your family would handle it.

Our team of experienced advisers is here to assist with any concerns you may have about purchasing life insurance.

Information required to assist you:

1. How many times have you had a pulmonary embolism?
2. What was the cause?
3. What was the medication or treatment used?
4. Did you need to have surgery?

Life insurance is an option for individuals who have experienced a pulmonary embolism. Insurers may request your permission to view a report from your GP for verification of your diagnosis and health status.

The insurer will utilize this report to determine the number of embolisms, timeframes of their occurrence, and any identified causes.

If the pulmonary embolism was a single incident and no intense medication was required, the insurance company might provide life insurance at regular rates.

Individuals who have experienced multiple embolisms or required more intense treatment may be eligible for life insurance at non-standard terms.

An insurer may choose to postpone or decline your insurance application in certain cases. It may not be easy or pleasant to hear, but it’s important not to assume that this will happen with every insurer. We can assist you in locating the perfect one for you.

Critical Illness

Applications for critical illness cover for individuals with a history of pulmonary embolism will be evaluated based on a report from your GP, with the majority of mainstream insurers.

The insurance company you contact will need information on the number of embolisms you’ve experienced, the causes behind them, and the timeframe between the most recent incident.

Individuals who have had one pulmonary embolism without requiring strong medication for treatment may qualify for critical illness cover at standard terms offered by the insurance provider.

In cases of multiple embolisms or use of strong medications, the insurer may provide critical illness cover with adjusted terms. There is a possibility of a premium increase.

An application for critical illness cover may be declined in certain situations. There are specific policies available for you to apply, but it is crucial to thoroughly understand all the exclusions in the policy.

Income Protection

Income protection may be available on normal terms for individuals who have experienced a pulmonary embolism.

The outcome will be determined by the number of embolisms you experienced, your recovery progression, and any necessary follow-up appointments. Individuals who have experienced a single embolism and did not require intensive medication may qualify for income protection at regular rates with certain insurance companies.

The insurance provider will want to know about the number of embolisms you’ve experienced and how they impacted your work capabilities. They could inquire about your needed time off work while you have the pulmonary embolism.

If you’ve had multiple embolisms and needed more serious treatment to remove them, there’s a chance the insurer may provide coverage with special terms (premium increase).

In certain cases, your application for income protection could be rejected because of your history of embolisms. There are multiple insurers and options for income protection, so don’t be discouraged by a rejection from one insurer. There are plenty more options to try, and we can handle that for you.