Pricing for cover is decided on an individual basis and 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 according to the amount of term you want, considering your age, smoker status and assuming good health, they then add a premium to this according to the detail of your heart disease. The Insurance Surgery will strive to find you the policy you need at a price you are happy with.
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 Life Insurance for patients with Heart Disease 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 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
Most Common Questions
We answer your most frequently asked questions.
If you took out your existing policy prior to being diagnosed with Heart Disease then it may make sense to keep this policy and top up with a new policy to take you to the level of cover you are looking for. We give free advice so we can certainly look at what you already have, what you currently pay and what you need now to help you decide how best to achieve what you need to.
Case Studies
Independent Customer Reviews
Fantastic!
Fantastic, professional service throughout the process. I would recommend these 100% . If ever you need anything insurance wise, please contact these guys. They will take the strain away and deliver great results
Gemma
Mark Smith helped my partner and me get life insurance
Mark Smith helped my partner and me get life insurance, which was proving difficult with other insurance with pre medical conditions. He was prompt, kept us up to date and efficient. Thank you!
Sam and Ajay
Super Easy
Easy to deal with and cheaper than any other quote
Robert W
They got me life insurance when other companies struggled
They got me life insurance companies when others couldn’t or struggled. Great to deal with. Highly Recommend.
Trence
Life Insurance with Heart Disease
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
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.
Click the links below to find out more: