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Angina Life Insurance

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Angina Life Insurance

Angina Life Insurance

The Insurance Surgery is a leading insurance specialist for pre-existing medical conditions. Life Insurance for people with Angina will usually require some additional underwriting and requirements for medical information. In this section we look at how the application process works and what impact having Angina will make on your life insurance premiums.

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How Angina Life Insurance works:

In almost all Angina Life Insurance applications, underwriters will write out to a doctor or GP to gather further medical evidence about your condition. Information required for your application will include:

  • Age diagnosed
  • Type of Angina
  • Height and Weight (BMI)
  • Symptoms and frequency of attacks
  • Related conditions (e.g. Blood Pressure / Cholesterol)
  • Family History

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as Angina. Over the past several years, we have helped thousands of individuals, families and businesses to protect themselves, regardless of their medical history.

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Angina Life Insurance

Life Insurance with Angina

People who suffer from Angina looking for Life Insurance will generally find that some sort of medical evidence will be required to support their application, such as a GP Report or a medical. Angina life insurance will always be subject to further underwriting which will look at:

In most cases for Angina life insurance there will be some kind of premium loading applied which can vary depending on the severity and control of your condition. In some cases where the Angina is more severe and symptoms are more acute then we may need to approach more specialist life insurance providers.

Angina Critical Illness Cover

Currently it is possible but can be difficult to obtain critical illness cover with Angina in limited cases, however this may be via specialist insurance providers. The Insurance Surgery will review your current medical status and advise you on whether Angina critical illness cover is available for you, as well as any policy restrictions that may be applied.

It is always important to review any policy wording and documentation before you accept cover to ensure that it is suitable for you / your requirements.

Angina Income Protection

We have been able to obtain Angina income protection in the past for people with good control and who have no additional complications. Our highly experienced insurance advisers will assess your application for Angina income protection to place your application for cover with the most suitable provider. All applications for Angina income protection will be subject to further underwriting which will almost always require medical evidence from your GP or specialist.

In almost all cases for Angina income protection, there will be a premium loading applied for the additional risk and / or an exclusion for anything relating to your Angina.

Case Studies

  • Client: Male
  • Age: 41
  • Smoker Status: Non-Smoker
  • Condition: Angina
  • Additional Conditions: Heart Attack & Gout
  • Date of Diagnosis: 2019
  • Cover Date: January 21st, 2020
  • Product Type: Level Term Assurance – Family Protection
  • Cover Amount: £50,000
  • Cover Term: 25 years
  • Premium: £21.64
  • Client: Male
  • Age: 59
  • Smoker Status: Non-Smoker
  • Condition: Prinzmetal Angina
  • Additional Conditions: Back Pain
  • Date of Diagnosis: 2019
  • Cover Date: Jan 16th 2020
  • Product Type: Level Term Assurance – Family Protection
  • Cover Amount: £150,000
  • Cover Term: 20 years
  • Premium: £165.40
  • Client: Female
  • Age: 51
  • Smoker Status: Non-Smoker
  • Condition: Angina
  • Additional Conditions: Heart Attack, High Blood Pressure & Raised Cholesterol
  • Date of Diagnosis: Unknown
  • Cover Date: January 2020
  • Product Type: Level Term Assurance – Family Protection
  • Cover Amount: £50,000
  • Cover Term: 20 years
  • Premium: £47.94

Frequently Asked Questions

We answer your most frequently asked questions.

It is certainly possible to obtain Life Insurance with a history of Angina, however it will depend on the severity of the condition and any related issues. There will almost certainly be a ‘loading’ to your life insurance premiums which will also depend on the severity of the condition and any related problems.

It is possible that certain insurance providers may decline life insurance cover for you because of your Angina, however underwriting will vary from one provider to another. The Insurance Surgery is a leading life insurance specialist for people with medical conditions such as Angina and therefore we know which insurers may be sympathetic to your circumstances.

The cost of cover will depend on the standard criteria such as your age, smoker status, amount of cover and term. It will also potentially include a loading which is also dependant on your condition, lifestyle and the severity / frequency of your symptoms. Our expert advisers have years of experience and we aim to find the best cover for you and at the most competitive price.

If you obtained life insurance before you were diagnosed with Angina or any other medical condition, it may well be worth keeping that policy and either looking at a top up policy or simply sticking as you are. Our advice is free so we’ll be able to tell you what the best options are for you and your family without costing you anything.

Facts about Angina

Angina is a type of pain that is felt in the chest area which can also result in discomfort in the arms, stomach, neck and jaw.

The cause of Angina is where the blood supply the heart is restricted which is also called Coronary Heart Disease.

Angina Statistics (UK):

  • Angina is more common in men than in women
  • 1 in 12 males between 55 and 64 have Angina
  • 1 in 30 females between 55 and 64 have Angina
  • 160k people die each year from cardiovascular or heart disease

Related Conditions

Types of Angina

There are 2 main types of Angina which are commonly known as:

  • Stable Angina: This is usually caused by certain events such as exercise and can be brought under control by taking medication and resting.
  • Unstable Angina: These attacks are more unpredictable and will be far more random, so difficult to identify any cause. It is also difficult to manage this type of Angina with medication and symptoms / attacks can continue regardless of rest.

Useful Links

Our team of expert advisers at The Insurance Surgery has many years’ experience working with people with Angina. We aim to find you the best cover for you, your family or your business with the most competitive premiums.
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