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Hypertrophic Cardiomyopathy Life Insurance

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Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection

The Insurance Surgery is a leading insurance expert for anyone who is classed as being non-standard by underwriters which includes people looking for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection. A complex condition such as Hypertrophic Cardiomyopathy will require some additional underwriting knowledge for life insurance, critical illness cover and income protection which is where our team of specialists come in. We have many years of experience in dealing with people looking for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection so we know who the top insurance companies are to get the lowest rates.

Our expert advisers regularly deal with applications for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection which means that we know what information will be required for your case to save you the hassle of multiple applications.

How Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection works:

TThere are a number of key considerations for insurance underwriters when they are looking at applications for Hypertrophic Cardiomyopathy life insurance, critical illness cover or income protection, which include:

  • Age at diagnosis
  • Treatment or medication
  • Any surgery/hospitalisation
  • Severity of symptoms
  • Any other health problems

A person looking for Hypertrophic Cardiomyopathy life insurance, critical illness cover or income protection to protect their family will usually require further underwriting. Our team of expert advisers will help you to find the most favourable insurance providers based on your condition to get the right cover at the right price.

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Hypertrophic Cardiomyopathy life insurance

Generally for someone who wants Hypertrophic Cardiomyopathy life insurance they will find that cover is available in most cases and decisions can vary dramatically depending on underwriter and severity of symptoms. Almost all applications for Hypertrophic Cardiomyopathy life insurance will be subject to additional underwriting which will almost always require you to provide further medical evidence from your GP or specialist.

Some of the main factors which will affect the premiums you will pay for Hypertrophic Cardiomyopathy life insurance are:

  • How old were you when you were diagnosed with Hypertrophic Cardiomyopathy
  • What level of severity are your symptoms classed as
  • Have you had any surgery or recent hospitalisation
  • What medication do you take

In almost all cases for Hypertrophic Cardiomyopathy life insurance there will be at least a small premium loading even for mild symptoms with no complications. In more severe cases it is possible to see higher end premium loadings to possible decline depending on your particular circumstances. You should know that underwriting criteria for Hypertrophic Cardiomyopathy life insurance varies dramatically from one insurance provider to another so some previous knowledge and experience is vital.

 

Hypertrophic Cardiomyopathy critical illness cover

There are currently no insurers who are considering applications for Hypertrophic Cardiomyopathy critical illness cover because of the related risks. Underwriting guidance does change regularly and there are also other products being introduced so it is always worth asking the question.

 

Hypertrophic Cardiomyopathy income protection

There are also currently no products available for anyone who is looking for Hypertrophic Cardiomyopathy income protection.

 

Case Study 1

  • Client: Male
  • Age: 44
  • Smoker status: non-smoker
  • Medical condition: Hypertrophic cardiomyopathy (heart disease)
  • Cover date: 1st October 2019
  • Product type: Decreasing life insurance
  • Cover amount: £230,000
  • Cover term: 27 years
  • Premium: £46.69

We were approached by this gentleman on the 4th September 2019 when he completed an enquiry through our website. After receiving this enquiry, our advisor Mark S then got in touch with the gentleman to further discuss his life insurance needs and any pre-existing medical conditions that he has; at this point he disclosed that he has hypertrophic cardiomyopathy and was looking for £230,000 over 27 years to cover his mortgage. After learning this, Mark S suggested decreasing cover for the gentleman, as this cover is specifically designed to cover mortgages, and has cheaper premiums. The gentleman agreed that this was the best option for him, and after a small waiting period due to the gentleman having a medical procedure, Mark S secured him £230,000 of decreasing cover for 27 years for a monthly premium of £46.69 on the 1st October 2019.

This is an amazing premium, especially considering that the gentleman has hypertrophic cardiomyopathy, which can be a potentially dangerous medical condition; and insurers will therefore place a loading onto premiums to account for the added risk. As a whole, the gentleman was delighted with this outcome, as he now has the protection he needs should anything happen to him. We were also delighted with this outcome as we are passionate about protecting families and another customer now has the peace of mind that they deserve.

 


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If you would like advice or a quote for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection then you should contact one of our expert advisers.

 

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