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Heart Conditions Life Insurance

Heart Conditions Life Insurance, Critical Illness Cover And Income Protection

The Insurance Surgery is a leading insurance expert for people living with various medical conditions such as people looking for Heart Conditions life insurance, critical illness cover and income protection. You may already be aware that life insurance is underwritten in the same way as most other insurance products which will be based on your health, lifestyle and other risk factors. Heart Conditions life insurance, critical illness cover and income protection terms can vary dramatically from one insurer to another so it is important to speak to a specialist who can guide you to the most suitable company for your circumstances.

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Types of Heart Conditions for life insurance, critical illness cover and income protection are:

How Heart Conditions life insurance, critical illness cover and income protection works:

There is a vast range of factors to consider across the different types of Heart Conditions when thinking about life insurance, critical illness cover or income protection which include:

  • Age at diagnosis
  • Type of Heart Condition
  • Severity of symptoms
  • Treatment, surgery or medication
  • Any other medical issues

For more information about Heart Conditions life insurance, critical illness cover or income protection you should contact one of our team of experts to help you to protect your family, home or business and to save you money.

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Life Insurance with a Heart Condition

The range of potential outcomes for any Heart Conditions life insurance applications can be 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.

Some of the major factors that will be taken in to consideration by underwriters when looking at Heart Conditions life insurance will include:

  • What type of Heart Condition you suffer from or have suffered from
  • Severity of your symptoms or attack(s)
  • How many attacks have you suffered and when
  • What treatment, surgery or medication have you had
  • Do you have any other medical or health problems

Terms for Heart Conditions life insurance can vary from a standard rates decision where the condition is mild or one off episodes / attacks to decline for more severe conditions. 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.

Heart Conditions income protection

There are also a number of potential outcomes for Heart Conditions critical illness cover which also includes potential for cover being offered with exclusions such as any cardiovascular related. If your condition is mild or a one-off episode then you should find that Heart Conditions critical illness cover will be available to you without too many problems however there will usually be a requirement to provide a medical report from your GP or specialist.

There are also several issues with Heart Conditions critical illness cover where you may not be accepted, such as:

  • Heart Attack
  • Cardiomyopathy

If you have previously applied for Heart Conditions critical illness cover and you have either struggled to get the cover you were looking for or if you were declined cover altogether then you should speak to one of our advisers.

Comprehensive Income Protection for a Range of Heart Conditions

There is a possibility that you may be able to get Heart Conditions income protection 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 Heart Conditions income protection cover without too many issues.

If your condition is slightly more severe or you have suffered from a Heart Attack then you may find it more difficult to get Heart Conditions income protection. There are also some specialist insurance providers who may be more flexible in terms of underwriting for Heart Conditions income protection which could be more suitable for you.

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For more information, advice or a quote for Heart Conditions life insurance, critical illness cover and income protection contact The Insurance Surgery today.
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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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