People with a complex medical history such as those who have been diagnosed with Bradycardia and are looking for life insurance should be aware that it may not be straight forward getting cover. Bradycardia life insurance terms will depend on several key factors to determine the levels of risks to insurers, such as:
- How old were you when you were diagnosed with Bradycardia
- Have you had a pacemaker fitted
- Is your pulse higher than 40 BPM
- Have you ever been admitted to hospital
Generally for Bradycardia life insurance applications there will be a requirement to view your medical records which is where the insurance provider will write to your GP to request to see a copy of your report. This is standard practice for the vast majority of life insurance applications where there is a significant medical disclosure which could have a material impact on the final decision, such as Bradycardia.
The positive news is that it is very possible to get Bradycardia life insurance terms at standard rates and in most cases there will be no premium loading or special terms imposed on this type of application. Insurance underwriters will assess your circumstances based on their criteria to apply the appropriate decision which is why it is so important to apply to an insurer who is sympathetic to Bradycardia life insurance.
If you have applied for cover in the past and been declined or had special terms imposed such as a loaded premium for Bradycardia life insurance then you should contact our team of experts for help.