We have recently expanded the scope of our services to bring our hard-won experience to those who have pre-existing health conditions. Through this natural expansion, we aim to utilise our experience and expertise to provide financial protection advice to those with a wide range of ill health conditions or life insurance for mental health.
Securing life insurance for heart conditions could serve as a vital safeguard for your family, home and life.
Insurance providers assess life insurance for heart conditions based on a range of factors such as heart condition, medical history, age, lifestyle factors (such as smoking), and overall health when determining your eligibility and premium rates.
Our team comprises insurance specialists who understand the complications of life insurance policies tailored for those with ill health and can guide you toward the most suitable options.
Can I get life insurance with a heart condition?
There are companies that provide life insurance cover to individuals with heart conditions. If you have a heart condition it is important to disclose this information to the insurer when applying for life insurance for heart conditions.
Individuals with heart conditions typically face higher life insurance premiums due to the perceived additional risk posed to the insurer to account for the increased likelihood of payouts.
Different insurers assess risk differently, so exploring different options with a specialist adviser at Sports Financial Services may lead you to finding more favourable terms.
Securing life insurance for those with heart conditions:
Evaluation of your health status determines the terms that will be available to you. Disclosing any heart-related complications is essential, and the insurer may request a medical report from your GP during the underwriting process to confirm your health and medical history.
Key steps & information:
- Your eligibility will be assessed based on your health and how well your heart conditions are being managed
- You’ll need to provide information about your heart conditions
- A medical report from your GP may be required during the underwriting process, which the insurer will arrange and pay for.
Life insurance and heart conditions
Heart conditions stand out as a leading cause of life insurance claims in the UK. If you find yourself worrying about this particular health condition and have dependents relying on you, discussing suitable life insurance for heart conditions should be on your tick list.
A life insurance for heart conditions policy could provide invaluable reassurance, knowing that your loved ones will have some financial support should the worst happen. The loss of a family member often brings emotional strain and the added burden of financial instability can add even more stress. This is where a discussion about a life insurance policy with us could help you and your family.
How much does life insurance for heart conditions cost?
Monthly premiums are influenced by factors such as age, health, lifestyle, medical history, occupation and chosen type of cover (type, amount and duration of cover).
Individuals with heart conditions may face higher premiums, depending on their heart conditions, severity of symptoms, smoking status, lifestyle and other medical conditions.
Your dedicated life insurance specialist will guide you through the enquiry process and how premiums are calculated.
How does having a heart condition affect applying for life insurance?
Having a heart condition can impact your life insurance application by influencing the options available and potentially increasing premiums.
Typical information that we will request when you enquire about life insurance for heart conditions includes:
- List of medications and treatments for heart condition management
- Whether you smoke and your level of alcohol consumption
- Date of your heart condition diagnosis
- List of any heart conditions-related complications
- Height and weight
- Occupation
Life Insurance for heart conditions: take the next step today
At Sports Financial Services, we specialise in life insurance for sports, occupation and ill health, including those living with heart conditions. When you enquire your specialist adviser will discuss your health and lifestyle to determine the best life insurance for heart conditions options for you. They will guide you through the process in order to help you find the right cover to protect you and your loved ones’ financial future.
If you’ve been denied cover before, don’t hesitate to get in touch with us. The market may now offer new products that better fit your needs. Our experts are here to help you explore your options, compare quotes, and find the best policy tailored to your unique circumstances.
Contact us today by completing our online contact form, or call a specialist adviser on 0345 565 0935.