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Life Insurance After A Heart Attack

Receive peace of mind during your recovery, and trust The Insurance Surgery to find life insurance after a heart attack for you.

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  • What Is Life Insurance
  • Cost of Life Insurance
  • Life Insurance Calculator
  • Types of Life Insurance
  • FAQs
  • Blogs & Guides

What Is Life Insurance After a Heart Attack?

Surviving a heart attack can really put things into perspective and change your outlook on the future. For many people, it is a time to consider their family’s financial security and what it would look like if they were unfortunately taken out of the picture. Life insurance after a heart attack allows survivors to rest assured that if anything were to happen again, the finances of their loved ones would be protected.

People may consider life insurance after a heart attack for the following reasons:

  • To cover potential funeral costs
  • To leave behind a lump sum for the family
  • To pay off any outstanding mortgages or debts

How Will Life Insurance Benefit You?

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Speak to us about your needs
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We’ll search the market
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We recommend the best product to suit your needs
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Tell us when you want it to start!

Despite what you may think, it is a myth that you cannot secure life insurance after a heart attack. Here at The Insurance Surgery, we specialise in finding people life insurance with pre-existing medical conditions. Our experts will take the time to consider your circumstances, needs, and full medical history before recommending which insurance company is the most suitable for your needs. In order for us to find the perfect match for your life insurance needs, you should expect to be asked questions regarding:

  • 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

There are a number of insurance possibilities that may be available to you, including the following:

Income Protection Insurance.

Income protection insurance can be difficult to obtain for those who have had a heart attack, but it may be possible with higher premiums and policy exclusions.

Travel Insurance.

Securing travel insurance after a heart attack can be a long endeavour, but our team is well-equipped to find a suitable policy for you.

You should consider life insurance if you have…

Dependents, 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!

  • 15 Minute Read Time

What Is the Difference Between Life Insurance and Life Assurance?

Life insurance and life assurance may sound similar, but they serve different purposes. One offers cover for a set period, while the other guarantees a payout no matter when you pass away.

Understanding these differences can help you choose the right policy for your needs. Read on to learn more!

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

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 Does Life Insurance After a Heart Attack Cost?

The costs of life insurance after a heart attack can depend on a whole variety of circumstances, including standard factors like your age, medical history, career and payout requirements, as well as factors relating specifically to your heart attack and recovery. When you get in touch with The Insurance Surgery, we will be able to give you a clearer idea of how much you can expect to pay in monthly premiums for the payout you require. 

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Your occupation

Medical conditions

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

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

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 parent.

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Frequently Asked Questions

Will having a heart attack affect my life insurance costs?

Yes, you will likely pay higher premiums if you buy life insurance after a heart attack. The price of your policy will depend on several factors, including details of your heart attack(s) and the state of your health. 

In most cases, yes. Unless your policy specifically excludes heart attacks from your agreement, your beneficiaries should receive a lump sum payout if you were to pass away from a heart attack. If you’re unsure if your insurance covers heart attacks, get in touch with The Insurance Surgery, and one of our experts can take a closer look at your policy to let you know.

Absolutely. Here at The Insurance Surgery, we specialise in finding policies for people with pre-existing medical conditions. Whilst you may have been rejected in the past, our experts know what insurers are more likely to insure you despite your circumstances.



Yes. If you have critical illness protection, your policy will likely cover heart attacks. It is important, however, to double-check your policy agreement in case your insurer excludes certain critical illnesses.

The Insurance Surgery has many years of experience sourcing life insurance products for clients who have a history of heart attacks. With 25 years of experience, we’re confident that we can find the most suitable and affordable premiums for you.

One of our dedicated experts will take your full medical history into account before recommending which insurance company best matches your requirements. Get in touch with us today for free advice from a protection expert.

Life insurance is unique – just like you.

Life Insurance for Parents

Find Out More

Life Insurance for Dads

Find Out More

Life Insurance for Sports & Hobbies

Find Out More

Life Insurance for Self-Employed

Find Out More

Income Protection

Find Out More

Life Insurance for Smokers

Find Out More

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.
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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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