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Hypertrophic Life Insurance

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Hypertrophic Cardiomyopathy Life Insurance, Critical Illness Cover And Income Protection

The Insurance Surgery is a leading insurance expert for anyone who is classed as being non-standard by underwriters which includes people looking for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection.

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A complex condition such as Hypertrophic Cardiomyopathy will require some additional underwriting knowledge for life insurance, critical illness cover and income protection which is where our team of specialists come in. We have many years of experience in dealing with people looking for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection so we know who the top insurance companies are to get the lowest rates.

Our expert advisers regularly deal with applications for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection which means that we know what information will be required for your case to save you the hassle of multiple applications.

How Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection works:

There are a number of key considerations for insurance underwriters when they are looking at applications for Hypertrophic Cardiomyopathy life insurance, critical illness cover or income protection, which include:

  • Age at diagnosis
  • Treatment or medication
  • Any surgery/hospitalisation
  • Severity of symptoms
  • Any other health problems

A person looking for Hypertrophic Cardiomyopathy life insurance, critical illness cover or income protection to protect their family will usually require further underwriting. Our team of expert advisers will help you to find the most favourable insurance providers based on your condition to get the right cover at the right price.

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Hypertrophic Cardiomyopathy life insurance

Generally for someone who wants Hypertrophic Cardiomyopathy life insurance they will find that cover is available in most cases and decisions can vary dramatically depending on underwriter and severity of symptoms. Almost all applications for Hypertrophic Cardiomyopathy life insurance will be subject to additional underwriting which will almost always require you to provide further medical evidence from your GP or specialist.

Some of the main factors which will affect the premiums you will pay for Hypertrophic Cardiomyopathy life insurance are:

  • How old were you when you were diagnosed with Hypertrophic Cardiomyopathy
  • What level of severity are your symptoms classed as
  • Have you had any surgery or recent hospitalisation
  • What medication do you take

In almost all cases for Hypertrophic Cardiomyopathy life insurance there will be at least a small premium loading even for mild symptoms with no complications. In more severe cases it is possible to see higher end premium loadings to possible decline depending on your particular circumstances. You should know that underwriting criteria for Hypertrophic Cardiomyopathy life insurance varies dramatically from one insurance provider to another so some previous knowledge and experience is vital.

Hypertrophic Cardiomyopathy critical illness cover

There are currently no insurers who are considering applications for Hypertrophic Cardiomyopathy critical illness cover because of the related risks. Underwriting guidance does change regularly and there are also other products being introduced so it is always worth asking the question.

Hypertrophic Cardiomyopathy income protection

There are also currently no products available for anyone who is looking for Hypertrophic Cardiomyopathy income protection.

Case Studies

  • 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.

Useful Links

If you would like advice or a quote for Hypertrophic Cardiomyopathy life insurance, critical illness cover and income protection then you should contact one of our expert advisers.
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