Life Insurance for Heart Disease

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Securing life insurance for heart disease patients could serve as a vital safeguard for your family, home and life. If you are looking for financial protection for a pre-existing medical condition, please speak to one of our specialist advisers today.

It is possible to obtain life insurance for those with certain heart conditions. Life insurance for heart disease patients is more likely to be offered with higher premiums or special terms due to the increased health risk associated with heart conditions. This is due to the perceived additional risk posed to the insurer and the increased likelihood of a claims payout. 

Insurance providers will assess your specific heart condition, medical history, age, lifestyle factors (such as smoking), and overall health when determining your eligibility and premium rates.

We have recently expanded the scope of our services to bring this hard-won experience to those who have a pre-existing health condition and require assistance to explore the cover options available.  Through this natural expansion, we aim to utilise our experience and expertise to provide financial protection advice delivered with exceptional customer service.

Can those with heart disease get life insurance?

There are companies that provide life insurance cover to individuals with heart disease. If you have heart disease it is important to disclose this information to the insurer when applying for life insurance for heart disease.

Individuals with heart disease 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 find more favourable terms.

Securing Life Insurance for heart disease:

Evaluation of your health status determines the terms that will be available to you. Disclosing any heart disease 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 disease is being managed
  • You’ll need to provide information about your heart disease
  • 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 disease

Heart disease stands 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 disease should be on your tick list.
A life insurance for heart disease 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 disease 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 disease may face higher premiums, depending on their heart disease, severity of symptoms, smoking status and other medical conditions. 

Your dedicated life insurance specialist will guide you through the enquiry process and how premiums are calculated. 

Can you get critical illness cover with heart disease?

In the past, obtaining critical illness cover with heart disease was nearly impossible. Today, it may be available under certain conditions. It is advisable to speak to one of our specialists if you have heart disease and seek critical illness cover. Our specialist advisers can discuss which insurers are inclined to offer cover at a reasonable rate.

What information is required by insurers when enquiring about life insurance with heart disease?

Typical information that we will request when you enquire about life insurance for heart disease includes:

  • List of medications and treatments for heart disease management
  • Whether you smoke and level of alcohol consumption
  • Date of your heart disease diagnosis
  • List of any heart disease related complications
  • Height and weight
  • Occupation

Contact us about life insurance for heart disease today

At Sports Financial Services, we specialise in life insurance for sport, occupation and ill health, including those living with heart disease. When you enquire your specialist adviser will discuss your health and lifestyle to determine the best life insurance for heart disease 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. 

Even if you have been declined cover in the past, please contact us, as new products may be available in the market since you last enquired.

Our specialists can help you navigate the options, compare quotes, and find the best deal tailored to your specific situation.

Contact us today by completing our online contact form, or call a specialist adviser on 0345 565 0935.