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Heart Disease Life Insurance

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Heart Disease Life Insurance

If you are trying to look for Life Insurance and you have a history of Heart Disease you may find the best solution is to apply through a specialist broker, such as The Insurance Surgery, who are highly experienced in obtaining cover for people with pre-existing medical conditions. Here we tell you how the application process works and what may be available to you.

How it works

When you make an application for Life Insurance the underwriters will need to obtain an accurate medical history to be able to arrive at a decision and a price for your policy. Some of the typical questions that you will need to answer about your heart condition include:

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  • When you were diagnoses
  • What symptoms you experience, how often and how severe
  • How you manage the symptoms
  • Any treatment you have had, or are due to receive
  • Any hospitalisation
  • Any related conditions

Here at The Insurance Surgery we specialise in obtaining Life Insurance for people with pre-existing medical conditions. Heart Disease is just one of the many conditions that our customers live with. Since 1999, we have helped thousands of individuals, families and businesses to find the insurance they need to protect themselves and their families, regardless of their medical history.

Case Study 1

  • 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

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: 49
  • Smoker Status: Non-Smoker
  • Conditions: High BP and Polycystic Kidney Disease
  • Cover Date: March 2016
  • Product Type: Decreasing Term Assurance
  • Cover Amount: £87,500
  • Cover Term: 19 years
  • Premium: £29.45

AIG - Postponed Cover

Frequently Asked Questions:

Pricing for cover is decided on an individual basis and is reflective of how heart disease affects you, and the associated risks of your condition. When underwriters assess your application they start from a base price according to the amount of term you want, considering your age, smoker status and assuming good health, they then add a premium to this according to the detail of your heart disease. The Insurance Surgery will strive to find you the policy you need at a price you are happy with.
If you took out your existing policy prior to being diagnosed with Heart Disease then it may make sense to keep this policy and top up with a new policy to take you to the level of cover you are looking for. We give free advice so we can certainly look at what you already have, what you currently pay and what you need now to help you decide how best to achieve what you need to.

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Heart Disease and Life Insurance:

Life Insurance with a history of Heart Disease requires a few questions to be answered by you and your doctor. The cost for cover is given by underwriters based on the severity of your condition and how well it has been managed. The Insurance Surgery have access to the whole of the market so we would look around for the provider that looks most favourably at your heart condition to get you the right price.

Critical Illness Cover for people with Heart Disease:

Critical Illness is not widely available for people with Heart Disease. If your condition is mild and well managed we can put an application forward for consideration.

Facts about Heart Disease:

Heart Disease occurs when the arteries to the heart become narrowed and obstructed by the build-up of fatty deposits. This prevents sufficient flow of oxygen-rich blood reaching the heart.

Heart Disease Statistics (UK)

  • Heart Disease causes around 26% of deaths in the UK
  • Around 42,000 people under the age of 75 will die from Heart Disease each year
  • There are around 7 million people in the UK living with heart disease
  • Healthcare costs from Heart Disease each year across the country come to around £11 Billion.


Causes of Heart Disease:

There are key factors that put you at a higher risk of Heart Disease

  • High Blood Pressure
  • Raised Cholesterol
  • Diabetes
  • Being a smoker
  • Lack of exercise
  • Being overweight
  • Family history of heart disease

Diagnosis and Treatment of Heart Disease:

In order to diagnose the condition, the doctor will first need to look at your blood pressure and check the amount of cholesterol in your blood. Once an increased level of risk has been established there are various blood and imaging tests that can be carried out to achieve a clear diagnosis and an understanding of the severity of the condition.

Although there is no cure for heart disease the symptoms can be managed. One of the key actions is to make lifestyle changes such as stopping smoking, taking up regular exercise and developing healthy eating habits. Often regular medication is prescribed, this could be blood thinners to help prevent clotting, statins to lower cholesterol, beta blockers to lower blood pressure or nitrates to relax and widen the arteries, there are several possible options. There is also the option of surgical procedures if symptoms cannot be managed by simple lifestyle changes and medication.

Useful Links:

British Heart Foundation: https://www.bhf.org.uk/heart-health/conditions/coronary-heart-disease
Heart Research UK: http://heartresearch.org.uk/
Pumping Marvellous: http://pumpingmarvellous.org
Heart UK: https://heartuk.org.uk/
NHS Heart: http://www.nhs.uk/Conditions/Coronary-heart-disease

Here at The Insurance Surgery, we have many years’ experience working with people with Heart Disease. We will do our best to help you find what you need to protect you, your family or your business at the most competitive price we can.

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'Can't recommend highly enough' I found that the employees at the insurance surgery were extremely accommodating and helpful throughout the whole process, they kept me informed and chased things up on my behalf. Overall a pleasant and seamless transaction. 4.9

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