Skip links

World Heart Day & Life Insurance

On September 29th each year, World Heart Day is celebrated, aiming to draw attention to heart illness and a range of associated health issues that can arise during people’s lifetimes.

Over the course of the day, you may see different heart charities and medical practitioners speak about the importance of heart health and preventative steps and measures you can take to keep your heart healthy. It is also important to look at lifestyle changes which can help you avoid cardiovascular diseases such as a heart attack, stroke, heart failure and other cardiovascular conditions.

Heart and circulatory diseases is an umbrella term for all diseases of the heart and circulation. It includes everything from conditions that are inherited or that a person is born with, to those that develop later. These include coronary heart disease, atrial fibrillation, heart failure, stroke and vascular dementia.

Facts & Figures

Latest statistics from The British Heart Foundation show that there are around 7.6 million people living with heart and circulatory diseases in the UK. An ageing and growing population and improved survival rates from heart and circulatory events could see these numbers rise still further.

Around 4 million males and 3.6 million females are living with heart and circulatory diseases in the UK.

The BHF estimates that in the UK more than half of us will get a heart or circulatory condition in our lifetime. Around twice as many people are living with heart and circulatory diseases in the UK than with cancer and Alzheimer’s disease combined.

Worryingly, heart and circulatory diseases cause a quarter of all deaths in the UK; that’s more than 160,000 deaths each year. That is one death every three minutes. Of those people, more than 40,000 people under the age of 75 in the UK died from heart and circulatory diseases each year.

Around 80% of people with heart and circulatory diseases have at least one other health condition.

The Insurance Surgery

At The Insurance Surgery, we are the UK’s No.1 Specialist Life Insurance Broker for those with medical conditions or dangerous occupations. We can help protect your family should the worst happen by finding you a life insurance provider that covers your pre-existing medical condition.

If you need further information about Heart Health Insurance, you can find out more here.

You can begin the application process straight away by filling in our online quote form here. As a broker, we can search the market on your behalf to find you the perfect life cover for your personal circumstances.

History of World Heart Day

Launched in 2000 by the World Heart Federation, the annual event was planned to take place every last Sunday of September. However, they decided to fix it on every 29th day of September and it has been celebrated on that day ever since.

Both governmental and non-governmental organisations celebrate this day from all over the globe. They do this by organising activities like marathons, walks, public talks, fitness sessions, exhibitions and science fairs. Some landmarks, monuments, and famous buildings choose to go red on this day as a show of cardiovascular disease awareness.

If you want to get involved this year, organisers urge people to become more attentive of their heart health. There are several ways you can do this, including:

  • Physical exercise
  • Quit smoking
  • Cut back on alcohol
  • Eat a healthy diet
  • Manage stress
  • Stay at a healthy weight
  • Have your heart, blood pressure and cholesterol checked frequently

The Cost of Heart and Circulatory Diseases

Healthcare costs relating to heart and circulatory diseases are estimated at £9 billion each year. Cardiovascular diseases cost the UK economy (including premature death, disability and informal costs) an estimated £19 billion each year.

How Life Insurance For Patients With Heart Disease Works

When you make an application for Life Insurance, underwriters will need to obtain accurate medical history to help them decide how ‘at risk’ you are to them. This is how they determine the price for your policy and whether they can cover you at all.

Some of the questions that you will be asked when applying for insurance when you have a heart condition include:
  • When you were diagnosed
  • 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
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 that we have helped over the years.

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.

How Much Will Life Insurance For Heart Disease Cost?

Every policy is different because everyone’s personal circumstances differ. We take as many details as we can to give the insurers a full picture of your lifestyle as well as your medical condition. These details of your risk factors give the insurance provider everything they need to give you a monthly premium.

Pricing of a policy is decided on an individual basis after insurers look at 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 details of your heart disease.

The Insurance Surgery will strive to find you the policy you need at a price you are happy with.

I Already Have Life Insurance So Is It Worth Looking At A New Policy?

If you took out your existing policy prior to being diagnosed with any heart conditions, 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 can give free and impartial advice to see what your options are.

We will search the market on your behalf to see if we can find a competitive price for you, taking into account 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.

Reviewing your life insurance policy

In many instances people do find it difficult to get cover when they have a pre-existing condition. Over 70% of customers we approve have been declined elsewhere before coming to us.

There have been some huge developments in insurance underwriting around many medical conditions over the last 5 years, so it is important to review your life insurance policy regularly if anything has changed. You can find out more information about reviewing a life insurance policy here.

If you are looking for a life insurance policy, start your application today. You can fill in an online quote form here, or call us on 0800 083 2829.