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Life Insurance with a Heart Condition

Are you looking to obtain life insurance with a heart condition? The Insurance Surgery is prepared to support you in your insurance journey and offer you the security you’re looking for!

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What Is Life Insurance for Heart Conditions?

Life insurance for heart conditions can offer so much security and peace of mind for those living with a whole variety of heart conditions, offering a lump sum payout to beneficiaries if anything were to happen. Potential policyholders may even be seeking out policies that include Critical Illness Cover and Income Protection Insurance, just in case their condition or any other illnesses prevent them from being able to work in the future. People look for life insurance with a heart condition for many reasons, including:

Covering lost income

Paying off any debts

Covering mortgage payments

Securing the financial future of your family

How Will Life Insurance Benefit You?

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

When you contact The Insurance Surgery, you’ll be allocated a dedicated advisor who will support you throughout the entire insurance process. Before they can find you a suitable policy, however, they’ll need to get to know your condition a little better. Your advisor will ask a variety of questions involving:

Age at diagnosis

Type of Heart Condition

Severity of symptoms, i.e. how many attacks you’ve suffered and when

Treatment, surgery or medication

How many heart attacks have you had?

When did the heart attack happen?

How many vessels were affected?

Did you need to have surgery?

Was a stent fitted?

Has the heart attack left you with any lasting symptoms?

Are your blood pressure and cholesterol under control?

Do you use mobility aids?

Does the acoustic neuroma affect your daily living?

The range of potential outcomes for any heart condition life insurance application can vary dramatically from one insurance provider to another depending on their attitude to risk and whether they have had poor claims experience with your particular condition. 

Heart Conditions life insurance underwriting will be based on whether you have been recently diagnosed with the issue and you will generally be required to submit or share a copy of your medical records, which can be obtained from your GP. But don’t worry. We appreciate this can sound complicated and will only ever offer policies that would genuinely benefit you and your circumstances!

Critical Illness Cover

If you’ve looked for Critical Illness Cover in the past, you may have faced certain exclusions regarding your condition. 

If your condition is mild or a one-off episode, then you should find that Critical Illness Cover will be available to you without too many problems. You may be required to provide a medical report from your GP or specialist, however.

If you’ve had a heart attack or are living with cardiomyopathy, you unfortunately may not be accepted for Critical Illness Cover.

Income Protection Insurance

You may be able to get Income Protection Insurance depending on the type of heart condition you have and how severe your condition is. You will find that if your heart condition is mild or moderate, then you should be able to get income protection cover without too many issues.

If your condition is more severe or you have suffered from a heart attack, then you may find it more difficult to get income protection.

There are also some specialist insurers who are more flexible in terms of underwriting for heart conditions Income Protection, which could be more suitable for you.

You should consider life insurance if you have…

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

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  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

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Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Is Life Insurance with a Heart Condition?

When looking for life insurance with medical conditions, you can generally expect your premiums to be a little higher than regular life insurance. However, life insurance isn’t a one-size-fits-all type of situation, and there are lots of factors that have to be considered. On top of the queries relating to your condition listed earlier, your broker will also need to know:

Your age

Medical history

How much cover you require

What type of insurance you need

The income of your dependents

If you have a mortgage

When we have a better understanding of both your condition and insurance needs, we’ll be able to give you a clearer idea of how much you can expect to pay in weekly premiums. Once that’s all cleared up, we’ll get to finding you the most suitable cover we possibly can!

For a clearer idea of the average cost of life insurance, visit our Guide.

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
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Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

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Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

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Frequently Asked Questions

Can I get life insurance with a heart condition?

Yes, you can get life insurance with a heart condition. If you are looking for advice about Heart Conditions life insurance or if you have applied for cover previously, which was declined, postponed or offered on special terms then you should contact one of our expert advisers.

Yes, it is entirely possible to secure life insurance after a heart attack. If you’re taking long-term medication and are having regular check-ups, it’s far easier to secure heart attack life insurance. Get in touch with The Insurance Surgery for help finding policies that take your medical history into account.

The costs of life insurance for heart conditions can differ hugely from person to person. Policymakers must take into account your specific condition, how well it is being managed, your medical history, insurance requirements and more before they can put a price on your premiums.

Different insurers have different policies when it comes to covering heart attacks. If you have a pre-existing heart condition, certain insurers may exclude heart attacks from your policy because of the potential risk. However, if you already have life insurance and are concerned that it may not cover heart attacks, we’re more than happy to look into this for you! We’ll find out where your current policy stands on heart attacks and find you a new policy, if necessary!

Here at The Insurance Surgery, we’re specialists in finding people with pre-existing medical conditions insurance policies that truly benefit them and offer the security they’ve been searching for. With 25 years of experience, you can rely on us to listen to your needs and match you up with an insurer that is willing to offer you cover.

Get in touch today for free advice, and one of our dedicated experts will get to work on finding you life insurance for heart conditions to protect your financial future. Get that peace of mind that you’ve been looking for and give The Insurance Surgery a call.

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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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