Heart Conditions Life Insurance

Life Insurance with a Heart Condition

If you have been diagnosed with a heart condition, you may be finding it challenging to obtain affordable life insurance. The world of heart conditions can be complex, and insurers often see heart conditions as high risk. Your Life Protected is here to make this process simple, whilst ensuring you get the best possible cover for you and your family. Our expertise in covering those with pre-existing health conditions enable us to make sure you secure the best cover for your needs.

The Obstacles to Securing Life Insurance with A Heart Condition:

When applying for Life Insurance with a heart condition, you may find that there can be significant challenges. Some of the most important factors may be:

• Individual Risk Assessment: Insurers will assess each application based on the specific heart condition, its severity, and your overall health.
• Understanding the Underwriting Process: Underwriting guidelines differ from Insurer to insurer, so knowing where to look for the best cover is difficult. This is our area of expertise so know which questions to ask and where to look.
• Medication & Monitoring: If you require long term medication, or monitoring, these will be factors when insurers provide a quote.
• Limited Options: Many mainstream insurers may not be able to offer you cover, so speak with one of our advisers to see which insurer may be willing to provide you cover.

Examples of Heart Conditions and Related Life Insurance Information:

Here are some examples of heart conditions and related life insurance considerations:

• Coronary Artery Disease: Life insurance with Coronary Artery Disease depends on the severity and treatment.
• Atrial Fibrillation: Life insurance options with AF will depend on the frequency and severity of your episodes, and your overall level of cardiovascular health.
• Heart Valve Disease: The ability to secure cover with a damaged or diseased heart valve will depend on the specifics of your circumstances, and what action has been taken.
• Angina: The extent of your Angina, frequency of symptoms experienced and treatment you’ve had will all be assessed during an application.
• Heart Failure: The degree of Heart Failure people suffer with can vary and your specific medical situation will be assessed in detail before any insurer will consider offering cover.
• Cardiomyopathy: There are several types of Cardiomyopathy, the type you have, duration since diagnosis, completed treatment, and overall cardiovascular function will all be assessed during the underwriting process.
• Congenital Heart Disease: If you have any congenital heart issues from birth, Insurers will investigate the type, treatment, prognosis and cardiac health before offering cover.

How Your Life Protected Can Help You Find The Right Policy

With our specialist expertise and personalised approach, we can work to take away all of the stress of securing life insurance with a heart condition, by providing:

• Specialist Knowledge: Our team has significant experience in securing cover for those with pre-existing heart conditions. We understand exactly what the insurers need to know, and will handle all the paperwork and administrative tasks on your behalf.
• Carefully Curated Panel of Insurers: By working with a wide range of specialist and mainstream insurers, we will ensure we are best placed to secure cover for your specific needs.
• Personalised Support: We take time to fully understand your unique medical history and will treat every application differently, by providing bespoke solutions to suit your requirements.
• Advocacy with Insurers: We understand how to best present your application to insurers to ensure a more positive outcome. Our long-term working relationships with underwriters means we are best placed to get you the most competitive premiums.
• Transparent Advice: With our help and support you can get a fair assessment and avoid any of the stress and frustration that you may feel if applying on your own.
• No-Obligation Quotes: Our service is completely free, and you are under no obligation to proceed with a policy.

What Will Insurers Need to Know?

You should expect insurers to request the following information when you make your application:

• Diagnosis: What is your specific heart condition diagnosis?
• Date of Diagnosis: When were you diagnosed?
• Severity: What is the severity of your condition? How is it graded?
• Symptoms: What symptoms do you regularly experience as a result of your condition?
• Treatment: What (if any) treatment have you had in the past for your Heart Condition.
• Medication: What medications you currently take to control your condition?
• Lifestyle Factors: Do you follow a healthy lifestyle? Do you smoke? Do you drink alcohol etc…?

Having access to all of this information upfront will allow you to better prepare your application.

Secure Cover for You and Your Family

If you’ve been diagnosed with a heart condition and are looking for life insurance, get in touch with Your Life Protected today for honest advice, professional expertise, and a free quote.