Heart Disease Life Insurance
If you are trying to look for Life Insurance and you have a history of Heart Disease you may find the best solution is to apply through a specialist broker, such as The Insurance Surgery, who are highly experienced in obtaining cover for people with pre-existing medical conditions. Here we tell you how the application process works and what may be available to you.
How it works
When you make an application for Life Insurance the underwriters will need to obtain an accurate medical history to be able to arrive at a decision and a price for your policy. Some of the typical questions that you will need to answer about your heart condition include:
- When you were diagnoses
- 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
Here at The Insurance Surgery we specialise in obtaining Life Insurance for people with pre-existing medical conditions. Heart Disease is just one of the many conditions that our customers live with. Since 1999, we have helped thousands of individuals, families and businesses to find the insurance they need to protect themselves and their families, regardless of their medical history.
Case Study 1
- Client: Female
- Age: 34
- Smoker Status: Non-Smoker
- Cover Date: May 2016
- Product Type: Level Term Assurance
- Cover Amount: £300,000
- Cover Term: 35 years
- Premium: £20.04
Case Study 2
- Client: Male
- Age: 41
- Smoker Status: Non-Smoker
- Condition: Angina
- Additional Conditions: Heart Attack & Gout
- Date of Diagnosis: 2011
- Cover Date: December 2015
- Product Type: Level Term Assurance - Family Protection
- Cover Amount: £50,000
- Cover Term: 25 years
- Premium: £21.64
Additional Info: AEGON, AIG, AVIVA and 5 others Declined Cover
Case Study 3
- Client: Female
- Age: 49
- Smoker Status: Non-Smoker
- Conditions: High BP and Polycystic Kidney Disease
- Cover Date: March 2016
- Product Type: Decreasing Term Assurance
- Cover Amount: £87,500
- Cover Term: 19 years
- Premium: £29.45
AIG - Postponed Cover
Frequently Asked Questions:
Independent reviews at feefo.com
The Insurance Surgery - Life insurance review for Abby from Ferndale
2 days ago
Very helpful and sorted out my insurance quickly, despite having multiple sclero... read more
The Insurance Surgery - Life insurance review for Alex from Macclesfield
7 days ago
This is second time using this company! both times i have dealt with Alex W and ... read more
The Insurance Surgery - Life insurance review for Shawn from Pontyclun
7 days ago
The service was very good and I will definitely recommend The Insurance SurgeryT... read more
The Insurance Surgery - Life insurance review for Mark
1 week ago
Not bad bit lengthy too many questions sure this could be shortened read more
The Insurance Surgery - Life insurance review for Jade from Stockport
3 weeks ago
Alex was fantastic. Sorting both life and critical illness and talking me throug... read more
The Insurance Surgery - Life insurance review for Adam
4 weeks ago
Excellent knowledgeable advisers who have plenty of patience and very good respo... read more
The Insurance Surgery - Life insurance review for Peter
1 month ago
I looked up this company, there was no cold calling.I spoke with a gentleman nam... read more
The Insurance Surgery - Life insurance review for Jacqueline from Stoke-On-Trent
2 months ago
Fantastic customer serviceGood allround productx excellent service read more
The Insurance Surgery - Life insurance review for Shazia
2 months ago
Helpful and thorough.Answered many questions I had. Put my mind at ease.And we'r... read more
The Insurance Surgery - Life insurance review for William from Ringwood
2 months ago
Worked hard in difficult circumstancesExpensive but it was the best option avail... read more
The Insurance Surgery - Life insurance review for Lee from Stourbridge
2 months ago
Very patient , understanding of medical conditions, took away the stress and ups... read more
The Insurance Surgery - Life insurance review for Michael from Bracknell
2 months ago
Good customer service read more
The Insurance Surgery - Life insurance review for Raymond
3 months ago
Easy application process for well sourced product read more
The Insurance Surgery - Life insurance review for Mariska
3 months ago
Very helpful, was able to for fill my request. read more
The Insurance Surgery - Life insurance review for Michael from Merthyr Tydfil
3 months ago
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The Insurance Surgery - Life insurance review for Justin from Woking
3 months ago
Initially a good experience , responsive and efficient but when things became a ... read more
The Insurance Surgery - Life insurance review for Stephen from Bootle
3 months ago
Excellent service, professional, polite, patient, informative and saved me so mu... read more
The Insurance Surgery - Life insurance review for Emma from Cambridge
3 months ago
I was really struggling to find affordable life insurance as I was being penalis... read more
The Insurance Surgery - Life insurance review for Helena from Oswestry
3 months ago
Thanks to Rick who was so helpful and friendly. Always so proffessional and was ... read more
The Insurance Surgery - Life insurance review for Kenneth from Brighton
3 months ago
The ad stated it was online service, need to fill out contact details in case an... read more
Heart Disease and Life Insurance:
Life Insurance with a history of Heart Disease requires a few questions to be answered by you and your doctor. The cost for cover is given by underwriters based on the severity of your condition and how well it has been managed. The Insurance Surgery have access to the whole of the market so we would look around for the provider that looks most favourably at your heart condition to get you the right price.
Critical Illness Cover for people with Heart Disease:
Critical Illness is not widely available for people with Heart Disease. If your condition is mild and well managed we can put an application forward for consideration.
Facts about Heart Disease:
Heart Disease occurs when the arteries to the heart become narrowed and obstructed by the build-up of fatty deposits. This prevents sufficient flow of oxygen-rich blood reaching the heart.
Heart Disease Statistics (UK)
- Heart Disease causes around 26% of deaths in the UK
- Around 42,000 people under the age of 75 will die from Heart Disease each year
- There are around 7 million people in the UK living with heart disease
- Healthcare costs from Heart Disease each year across the country come to around £11 Billion.
Causes of Heart Disease:
There are key factors that put you at a higher risk of Heart Disease
- High Blood Pressure
- Raised Cholesterol
- Diabetes
- Being a smoker
- Lack of exercise
- Being overweight
- Family history of heart disease
Diagnosis and Treatment of Heart Disease:
In order to diagnose the condition, the doctor will first need to look at your blood pressure and check the amount of cholesterol in your blood. Once an increased level of risk has been established there are various blood and imaging tests that can be carried out to achieve a clear diagnosis and an understanding of the severity of the condition.
Although there is no cure for heart disease the symptoms can be managed. One of the key actions is to make lifestyle changes such as stopping smoking, taking up regular exercise and developing healthy eating habits. Often regular medication is prescribed, this could be blood thinners to help prevent clotting, statins to lower cholesterol, beta blockers to lower blood pressure or nitrates to relax and widen the arteries, there are several possible options. There is also the option of surgical procedures if symptoms cannot be managed by simple lifestyle changes and medication.
Useful Links:
British Heart Foundation: https://www.bhf.org.uk/heart-health/conditions/coronary-heart-disease
Heart Research UK: http://heartresearch.org.uk/
Pumping Marvellous: http://pumpingmarvellous.org
Heart UK: https://heartuk.org.uk/
NHS Heart: http://www.nhs.uk/Conditions/Coronary-heart-disease
Here at The Insurance Surgery, we have many years’ experience 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.
The Insurance Surgery Ltd is rated 4.7/5 based on 320 reviews. Read our reviews
Sayoni from Newcastle
April 27th 2018
'Excellent service'
Steven Mahon was so helpful, explained everything perfectly during a time we were a little stressed. Very very happy with his service, will recommend thank you.
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