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Angina Life Insurance

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Angina Life Insurance

Life Insurance for people with Angina will usually require some additional underwriting and requirements for medical information. In this section we look at how the application process works and what impact having Angina will make on your life insurance premiums.


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How it works

In almost all Angina Life Insurance applications, underwriters will write out to a doctor or GP to gather further medical evidence about your condition. Information required for your application will include:

  • Age diagnosed
  • Type of Angina
  • Height and Weight (BMI)
  • Symptoms and frequency of attacks
  • Related conditions (e.g. Blood Pressure / Cholesterol)
  • Family History

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as Angina. Over the past several years, we have helped thousands of individuals, families and businesses to protect themselves, regardless of their medical history.

Case Study 1

  • Client: Female
  • Age: 51
  • Smoker Status: Non-Smoker
  • Condition: Angina
  • Additional Conditions: Heart Attack, High Blood Pressure & Raised Cholesterol
  • Date of Diagnosis: Unknown
  • Cover Date: January 2016
  • Product Type: Level Term Assurance - Family Protection
  • Cover Amount: £50,000
  • Cover Term: 20 years
  • Premium: £47.94

Additional Info: AEGON & Zurich Declined Cover

Case Study 2

  • Client: Male
  • Age: 59
  • Smoker Status: Non-Smoker
  • Condition: Prinzmetal Angina
  • Additional Conditions: Back Pain
  • Date of Diagnosis: 2005
  • Cover Date: May 2016
  • Product Type: Level Term Assurance - Family Protection
  • Cover Amount: £150,000
  • Cover Term: 20 years
  • Premium: £165.40

Additional Info: AEGON Declined Cover

Case Study 3

  • Client: Male
  • Age: 41
  • Smoker Status: Non-Smoker
  • Condition: Angina
  • Additional Conditions: Heart Attack & Gout
  • Date of Diagnosis: 2011
  • Cover Date: December 2015
  • Product Type: Level Term Assurance - Family Protection
  • Cover Amount: £50,000
  • Cover Term: 25 years
  • Premium: £21.64

Additional Info: AEGON, AIG, AVIVA and 5 others Declined Cover

Frequently Asked Questions

It is certainly possible to obtain Life Insurance with a history of Angina, however it will depend on the severity of the condition and any related issues. There will almost certainly be a ‘loading’ to your life insurance premiums which will also depend on the severity of the condition and any related problems.
It is possible that certain insurance providers may decline life insurance cover for you because of your Angina, however underwriting will vary from one provider to another. The Insurance Surgery is a leading life insurance specialist for people with medical conditions such as Angina and therefore we know which insurers may be sympathetic to your circumstances.
The cost of cover will depend on the standard criteria such as your age, smoker status, amount of cover and term. It will also potentially include a loading which is also dependant on your condition, lifestyle and the severity / frequency of your symptoms. Our expert advisers have years of experience and we aim to find the best cover for you and at the most competitive price.
If you obtained life insurance before you were diagnosed with Angina or any other medical condition, it may well be worth keeping that policy and either looking at a top up policy or simply sticking as you are. Our advice is free so we’ll be able to tell you what the best options are for you and your family without costing you anything.

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Facts about Angina

Angina is a type of pain that is felt in the chest area which can also result in discomfort in the arms, stomach, neck and jaw.

The cause of Angina is where the blood supply the heart is restricted which is also called Coronary Heart Disease.

Angina Statistics (UK):

  • Angina is more common in men than in women
  • 1 in 12 males between 55 and 64 have Angina
  • 1 in 30 females between 55 and 64 have Angina
  • 160k people die each year from cardiovascular or heart disease

Types of Angina:

There are 2 main types of Angina which are commonly known as:

  • Stable Angina: This is usually caused by certain events such as exercise and can be brought under control by taking medication and resting.
  • Unstable Angina: These attacks are more unpredictable and will be far more random, so difficult to identify any cause. It is also difficult to manage this type of Angina with medication and symptoms / attacks can continue regardless of rest.

Related Conditions

  • Heart Attack
  • Stroke
  • Raised Cholesterol
  • High Blood Pressure
  • Diabetes (Type 1 & Type 2)
  • Mental Health problems (e.g. Anxiety & Depression)
  • High BMI


Useful Links:

British Heart Foundation: www.bhf.org.uk/heart-health/conditions/angina
Heart UK: www.heartuk.org.uk
NHS Choices: www.nhs.uk/conditions/Angina/Pages/Introduction.aspx

Our team of expert advisers at The Insurance Surgery has many years’ experience working with people with Angina. We aim to find you the best cover for you, your family or your business with the most competitive premiums.

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The Insurance Surgery Ltd is rated 4.8/5 based on 251 reviews. Read our reviews

'The best broker you can get' Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you. 4.8

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