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 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
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: Male
- Age: 44
- Smoker status: non-smoker
- Medical condition: Hypertrophic cardiomyopathy (heart disease)
- Cover date: 1st October 2019
- Product type: Decreasing life insurance
- Cover amount: £230,000
- Cover term: 27 years
- Premium: £46.69
We were approached by this gentleman on the 4th September 2019 when he completed an enquiry through our website. After receiving this enquiry, our advisor Mark S then got in touch with the gentleman to further discuss his life insurance needs and any pre-existing medical conditions that he has; at this point he disclosed that he has hypertrophic cardiomyopathy and was looking for £230,000 over 27 years to cover his mortgage. After learning this, Mark S suggested decreasing cover for the gentleman, as this cover is specifically designed to cover mortgages, and has cheaper premiums. The gentleman agreed that this was the best option for him, and after a small waiting period due to the gentleman having a medical procedure, Mark S secured him £230,000 of decreasing cover for 27 years for a monthly premium of £46.69 on the 1st October 2019.
This is an amazing premium, especially considering that the gentleman has hypertrophic cardiomyopathy, which can be a potentially dangerous medical condition; and insurers will therefore place a loading onto premiums to account for the added risk. As a whole, the gentleman was delighted with this outcome, as he now has the protection he needs should anything happen to him. We were also delighted with this outcome as we are passionate about protecting families and another customer now has the peace of mind that they deserve.
Case Study 2
- Client: Male
- Age: 46
- Smoker status: Non-smoker
- Medical condition: Dilated cardiomyopathy (heart disease)
- Cover date: 2nd October 2019
- Product type: Decreasing cover
- Cover amount: £150,000
- Cover term: 20 years
- Premium: £38.05
We were approached by this gentleman on the 15th August 2019 when he completed an enquiry on our website. Our advisor Mark B then received this enquiry and got in contact with the gentleman to further discuss his life insurance needs and any pre-existing medical conditions that he may have. At this point he explained that he was diagnosed with dilated cardiomyopathy in 2015, and that he is looking for £150,000 of cover over 20 years to cover his mortgage. Due to the fact that he was looking for mortgage cover, Mark B suggested decreasing life insurance as this type of policy is designed for mortgage cover and has cheaper premiums. Due to the fact that the gentleman has a heart condition, the insurers requested that a GP report be completed before they look at his application which can take around 4-12 weeks to be completed, depending on the GP surgery. Therefore, after the gentleman’s GP report was completed and sent o the insurer, Mark B was able to secure the gentleman £150,000 of decreasing life insurance for a 20-year period for a monthly premium of £38.05. This is an amazing premium considering the potential risk of the gentleman’s medical condition.
We were delighted with this outcome, because heart disease can be a tricky condition to get cover for, as it can be potentially fatal if it becomes severe. Therefore, it was amazing to hear that this gentleman now has the protection that he needs, so that he is covered should the worst happen. Furthermore, the gentleman was also pleased as he now has peace of mind that he is protected despite the fact that he has a high-risk pre-existing medical condition. Overall, this is a brilliant outcome and we were so pleased that we could help another customer to get protected.
Case Study 3
- 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
Frequently Asked Questions:
Independent Reviews at 
The Insurance Surgery - Life insurance review for Ian from Halstead
2 weeks ago
Insurance surgery were extremely helpful throughout the process. I dealt with Greg, he kept me informed and updated throughout and even more so when we hit a few set backs. I’ve got my insurance now a... read more
The Insurance Surgery - Life insurance review for Sirinya from Taunton
3 weeks ago
Very good, efficient and fast prompt service read more
The Insurance Surgery - Life insurance review for Ross from Isle Of Bute
3 weeks ago
They did everything they said they would, I struggled to get insurance for my condition but the Insurance Surgery made sure they found me the best possible deal available. read more
The Insurance Surgery - Life insurance review for Paul from Wallington
3 weeks ago
Excellent, so helpful no pressure just an amazing service read more
The Insurance Surgery - Life insurance review for Mohamed from Wigston
4 weeks ago
Josh at the insurance surgery was outstanding, couldn't do enough for me to get my health insurance sorted.well done !You deserve 5 stars, I wouldn't hesitate to recommend you to family and friends.Th... read more
The Insurance Surgery - Life insurance review for Vishnu
1 month ago
Good understanding of one's needs rather than pushy sales. read more
The Insurance Surgery - Life insurance review for Nathan from Swindon
1 month ago
They were very friendly and very helpful finding me a cover I was happy with. Great service, would definitely recommend. read more
The Insurance Surgery - Life insurance review for Gertrude from Birmingham
1 month ago
Prompt response and constant support throughout. read more
The Insurance Surgery - Life insurance review for Matthew
1 month ago
Very helpful, everything was done so quickly and the person I spoke to who sorted everything was amazing. read more
The Insurance Surgery - Life insurance review for Rebecca from Bishop'S Stortford
1 month ago
I was lucky to have Andy be my point of call for any queries and for all updates.Andy was very pleasant, he was always phoning for updates and reassurances and he was very professional.Andy was simply... read more
The Insurance Surgery - Life insurance review for Stefan from Mansfield
1 month ago
Really super service from start to finish. Greg was so helpful and sorted life insurance for myself and my husband. Thank you so much. read more
The Insurance Surgery - Life insurance review for Valerie from Falkirk
1 month ago
Very helpful indeed. Took away the hassle of shopping around. read more
The Insurance Surgery - Life insurance review for Alan
1 month ago
Great knowledge from Andrew Hellyer, I arranged for a call back and he called back when requested.Fits in with what I was looking for. read more
The Insurance Surgery - Life insurance review for Kwame
1 month ago
I found the service pretty easy to use and got the best deal on offer. They were also very helpful and attentive. read more
The Insurance Surgery - Life insurance review for Lee from Pontyclun
1 month ago
They found us the prefect product and were incredibly patient with our slow replies due to work commitments.Perfect product for our lifestyle. read more
The Insurance Surgery - Life insurance review for Alan from Harwich
1 month ago
organised my life insurance request in a very professional manner and actually saved me some money. read more
The Insurance Surgery - Life insurance review for Taiwo from London
1 month ago
I found a link to The insurance surgery on the Which website so I was looking for a company to deliver a good product, good customer service, no upselling, and no hard selling, The insurance surgery d... 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.
Specialist and Free Advice from a team of experts
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