FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Search

logonew png
Get a Quote
logonew png
Get a Quote

Heart Disease Life Insurance

Looking for life insurance with medical conditions shouldn’t be difficult.  At The Insurance Surgery, we can take that stress away and leave you with a heart disease life insurance policy that you and your family deserve.

Get a Quote
Trustpilot

What Is Heart Disease Life Insurance?

Heart disease life insurance allows people living with pre-existing heart conditions to obtain financial security for their families if anything were to happen to them. 

Heart Disease actually causes around 26% of deaths in the UK, so this is a particularly important opportunity for potential policyholders. There are a whole range of heart diseases that can be covered by life insurance for heart disease, including:

Angina

Arrhythmia (Abnormal Heart Rhythm)

Atrial Fibrillation

Bradycardia

Cardiac Arrest

Cardiomyopathy

Cardiovascular Disease

Congenital Heart Disease

Coronary Heart Disease

Heart Attack

Heart Failure

Heart Valve Disease

High Blood Pressure (Hypertension)

High Cholesterol

Left Bundle Branch Block

Quadruple Heart Bypass

Stroke

Tachycardia

Tetralogy of Fallot

Get a Quote

How Does Life Insurance for Heart Disease Work?

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!

If you are looking for life insurance with heart disease, this will need to be disclosed on your application. When you get in touch with The Insurance Surgery, you’ll be assigned one of our dedicated advisors who will take the time to get familiar with your circumstances. They will ask questions about your heart condition, including:

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

From there, they’ll contact potential insurers to find you a suitable policy. Underwriters may need to see evidence of your medical history or speak to your doctor before providing a quotation. Having a heart condition can affect your life insurance policy as providers deem you as a “risk”. This risk means your premiums will be slightly higher than those who do not have a pre-existing medical condition.

The Insurance Surgery is fully capable of looking around the whole of the market for a provider that looks most favourably at your heart condition to get your the right policy and price.

Critical Illness Cover

Critical illness cover pays out a cash lump sum of money if you are diagnosed with a medical condition. 

It is difficult to get critical illness cover with a heart condition due to policies covering the diagnosis of heart attacks and some other serious heart conditions. With you already having a heart condition, the insurer will want to assess if it makes you more likely to develop one of the claimable conditions.

Income Protection Insurance

Income protection insurance pays you a replacement of your monthly income, if you are unable to work due to ill health

It can sometimes be available to people that have heart conditions and is most likely to be offered if you have a mild heart condition that does not currently affect your ability to work, or your regular day to day activities.

For people that have a more moderate to higher risk heart condition, insurers may offer the option for an exclusion on the policy, meaning that the policy will not cover claims relating to your heart.

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!

Get a Quote
  • 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.

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 is Heart Disease Life Insurance?

Pricing for heart disease life insurance is decided on an individual basis depending on your circumstances. It 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 (sometimes called a ‘standard rate’) according to the amount of term you want, considering your age, smoker status and assuming good health, they then add a loading 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, giving you and your family the protection you need.

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

Get a Quote

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 parents

Forbes Advisor, 2025

Frame 119 png

Price Promise.

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

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I get life insurance with heart disease?

Yes, of course! If you’ve been denied life insurance with heart disease in the past, you might have been looking in the wrong places. Whilst it can be difficult and more expensive than regular life insurance, it is entirely possible!

The Insurance Surgery has over 25 years of experience in securing suitable policies for people with pre-existing medical conditions, so rely on us to find heart disease life insurance for you. 

The term heart disease covers a range of conditions related to the heart and blood vessels. These heart conditions could be:

  • Angina
  • Arrhythmia (Abnormal Heart Rhythm)
  • Atrial Fibrillation
  • Bradycardia
  • Cardiac Arrest
  • Cardiomyopathy
  • Cardiovascular Disease
  • Congenital Heart Disease
  • Coronary Heart Disease
  • Heart Attack
  • Heart Failure
  • Heart Valve Disease
  • High Blood Pressure (Hypertension)
  • High Cholesterol
  • Left Bundle Branch Block
  • Quadruple Heart Bypass
  • Stroke
  • Tachycardia
  • Tetralogy of Fallot

If you took out life insurance before being diagnosed with heart disease, your policy may already cover your condition. If you’re unsure of the terms of your policy, however, our team will be more than happy to take a look! We can also determine whether this policy is a suitable match for your current situation and advise on alternatives – but only if we think it would genuinely benefit you.

Here at The Insurance Surgery, we have over 25 years of experience in 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.

So get in touch with one of our dedicated experts today to receive some free advice on your circumstances and let’s get started on finding you that financial security you’re looking for.

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.
View more
  • 15 May 2025

The Best Life Insurance Companies in the UK

When it comes to choosing the best life insurance companies in the UK, the right…
Continue Reading
  • 29 April 2025

Does Life Insurance Cover Suicide

Does life insurance pay out for a suicidal death? Yes, life insurance can pay out…
Continue Reading
  • 28 April 2025

A Guide to Index Linking

What Is Index Linking? Index linking in life insurance (also known as inflation-linked life insurance)…
Continue Reading
  • 9 April 2025

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…
Continue Reading
  • 15 May 2025

The Best Life Insurance Companies in the UK

When it comes to choosing the best life insurance companies in the UK, the right…
Continue Reading
  • 29 April 2025

Does Life Insurance Cover Suicide

Does life insurance pay out for a suicidal death? Yes, life insurance can pay out…
Continue Reading
  • 28 April 2025

A Guide to Index Linking

What Is Index Linking? Index linking in life insurance (also known as inflation-linked life insurance)…
Continue Reading
  • 9 April 2025

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…
Continue Reading

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
logonew png

Products & Services

Helpful Links

Contact Us

Follow Us

Twitter Linkedin-in Facebook-f Youtube

Follow Us

Twitter Linkedin-in Facebook-f Youtube
logonew png

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.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.