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Heart Attack Life Insurance

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Heart Attack Life Insurance

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How it works

Some facts that will need to be considered when applying for post heart attack life insurance:

  • When the Heart Attack(s) occurred
  • Any Surgery required / stents fitted
  • What vessels were affected
  • Ongoing management - medication and checks
  • Any problems / symptoms since the attack
  • Any recurring symptoms

The Insurance Surgery is a leading specialist broker helping people with pre-existing conditions, such as having experienced a heart attack, to obtain life insurance, We look at your personal health and circumstances so we can search for insurance from the whole of the market.

Case Study 1

  • Client: Female
  • Age: 30
  • Smoker Status: Smoker
  • Cover Date: September 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £100,000
  • Cover Term: 25
  • Premium: £19.05

Aviva's Price - £19.60. Zurich's Price - £24.50

Case Study 2

  • Client: Female
  • Age: 34
  • Smoker Status: Non-Smoker
  • Cover Date: May 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £300,000
  • Cover Term: 35 years
  • Premium: £20.04

Case Study 3

  • Client: Female
  • Age: 31
  • Smoker Status: Non-Smoker
  • Cover Date: April 2016
  • Product Type: Decreasing Term Assurance & Critical Illness
  • Cover Amount: £70,000
  • Cover Term: 30 years
  • Premium: £27.48

Most Common Questions

The price of your policy will depend on a number of factors around your heart attack(s) and state of health. Every application is assessed on an individual basis. The specialist team of advisors at The Insurance Surgery regularly arrange policies for heart attack sufferers so are experienced in searching the market for the best rates.
Don’t worry. This is usually simply due to your application not being made by a specialist such as The Insurance Surgery who know who to approach for cover and how to process your application. Previously being declined does not count against you when you make a new application.
By applying to The Insurance Surgery you are in the hands of a team of experts who deal with Heart Attack life insurance on a regular basis. As a company, we have been helping provide cover for over 16 years so we know which insurers to approach to get you the cover you need at the best price we can find it. We understand what information the underwriters require and we can obtain this in the reports they will need to make a decision. We put in all the hard work so that you don’t have to.

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Heart Attack Statistics UK...

  • Heart attacks most commonly occur in people over the age of 45
  • In England, each year approximately 50,000 men and 32,000 women suffer from a heart attack
  • Heart Attack is one of the most common needs for emergency medical assistance
  • Around 1 in 3 people who experienced a heart attack, die as a result
  • For those surviving more than 28 days post attack, most will go on to live for many years

Symptoms of a Heart Attack...

  • Chest pain that can spread to the neck, jaw, arms and back. The severity of the pain can be hugely varied between heart attack and sufferers
  • Feeling of panic / anxiousness
  • Shortness of breath
  • Lightheaded and feeling weak
  • If full cardiac arrest occurs and the heart stops the person will not move, breath or respond to any situation

What Causes a Heart Attack?

A Heart Attack occurs when the blood flow from the heart is interrupted. Without the constant supply of blood, the tissue in the heart becomes permanently damaged. The main cause of an attack is coronary heart disease as this causes blockages in the arteries due to a build-up of cholesterol. The accumulation of these deposits are called plaques. If a plaque bursts it causes a blood clot at the site which can prevent the flow of blood to the heart and therefore cause a heart attack.

Lifestyle factors strongly influence the chance of a Heart Attack. Just some of the things that cause an increased risk:

  • Smoking
  • Poor diet that is high in fat
  • Being overweight
  • Not staying fit and active
  • Consuming excessive levels of alcohol

Some health conditions also increase the level of risk.

  • Type 2 Diabetes
  • Poorly managed High Blood Pressure

 

Heart Attack Treatment

Treatment options vary with the severity of the heart attack. Emergency widening of the coronary artery can be done by a coronary angioplasty, this procedure allows a stent (a flexible metal mesh) to be fitted to help keep the artery open. If this type of surgery isn't an option a coronary artery bypass graft can be an option where a blood vessel from elsewhere in the body can be used as a graft.

Medication may be prescribed to break down blood clots. Also, blood thinning medication is often prescribed to avoid future clots occurring.

After a Heart Attack

If the Heart Attack was mild it is possible to experience no further complications, others who have suffered a major attack can have continued problems such as arrhythmia (irregular heart beat) due to the heart muscle being damaged. These can sometimes be controlled by medication, or may require a pacemaker to be fitted to regulate the heartbeat.

Staying well post Heart Attack means making lifestyle changes such as...

  • Eating well
  • Being active
  • Keeping weight down
  • Avoiding smoking
  • Reducing alcohol intake

Long term medication is required, some typical types are...

  • ACE inhibitors to lower blood pressure
  • Anti-platelets to alter the consistency of the blood
  • Beta-blockers to relax the heart muscle
  • Statins to lower cholesterol

Useful Links

British Heart Foundation: https://www.bhf.org.uk/heart-health/conditions/heart-attack
St Johns Ambulance: http://www.sja.org.uk/sja/first-aid-advice/heart/heart-attack.aspx
Direct Gov.uk: https://www.gov.uk/heart-attacks-and-driving
NHS Choices: http://www.nhs.uk/Conditions/Heart-attack/Pages/Introduction.aspx

For more information on post heart Attack Life Insurance, you can call The Insurance Surgery's team of highly skilled advisors on 0800 083 2829 or you can complete our simple online form and one of the team will give you a call to discuss your circumstances further.


Obtaining Life Insurance and Travel Insurance after a Heart attack is a specialist area. Let The Insurance Surgery use their experience to find you competitive cover.

The Insurance Surgery has many years experience sourcing life insurance, travel insurance, and other products for clients who have a history of Heart Attacks.

We take your full medical history into account before we recommend which insurance company is the most suitable for your needs.

Many insurers, once they hear about your Heart Attack will increase the cost of your insurance by huge amounts. We use our experience to guide you to insurance companies that will offer cheap, competitive, comprehensive cover.

Please find below a brief summary of how having had a Heart Attack may affect your life insurance, travel insurance, and other insurance needs.


It is a myth that if you have had a Heart Attack you will not be able to obtain life insurance. It is often possible to obtain cover dependent on factors such as how old you were when the Heart Attack happened, how long ago the attack was and the severity of the Heart Attack. We will ensure that we apply to the most appropriate life insurance company for your personal circumstances.
Generally speaking, obtaining critical illness insurance after suffering a Heart Attack will not be possible without having heart problems excluded from the policy. As a Heart Attack is classed as a critical illness, insurance companies will often decline cover. Please speak to us as we can explore all the options available.
If you have had a Heart Attack and you wish to obtain Income Protection Insurance it can be possible to secure the cover with an increase in the cost of cover, however, there is also a very strong possibility of being declined. We may, in certain circumstances, be able to arrange cover with exclusions relating to your Heart Attack. We cannot guarantee that a client who has had a Heart Attack will obtain Income Protection Insurance.
It may be possible to obtain Private Medical Insurance after a Heart Attack but it will depend on when the attack was, what medication you are receiving and what medical supervision is taking place. Generally, it will be more likely that and Private Medical Insurance you obtain will have Heart Attacks or heart problems excluded from the cover.
Obtaining Travel insurance after you have suffered a Heart Attack can be a time-consuming business. Luckily we have a Travel Insurance system where you input the details of your Heart Attack just once we will provide you with multiple travel insurance quotes with your Heart Attack taken into consideration.
If you have suffered a Heart Attack at any point you will almost certainly qualify for an Impaired Life Annuity that will boost your retirement income by anything up to 40%

Heart Attack Life Insurance related News

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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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