Guides

Life Insurance for heart disease patients

Do heart conditions impact life cover?

heart disease life insurance

There are probably very few of us who have not been impacted by various heart conditions in some way, either as a sufferer, a relative or a friend of somebody affected. According to the NHS, Coronary Heart Disease (CHD) is the most common of all diseases with over 2.3 million people living with it in the UK.

I have a history of heart conditions, can I get cover?

As you would expect if you’ve had a heart attack, or any other pre-existing heart condition, it can have an impact on your life insurance application – although this doesn’t mean you won’t be able to get cover. We will take this knowledge into account, along with a range of other factors taken into consideration, such as your current health and lifestyle (alcohol intake and smoking status for example). By taking positive steps to live a healthy lifestyle and aiming to reduce your cholesterol, it will put you in the best possible position to obtain life insurance and live longer.

Heart conditions that we can cover

Beagle Street may be able to provide cover for people with existing heart conditions, but this is never guaranteed as personal circumstances and severities of conditions mean applications are treated on a case by case basis.

If you have an existing heart condition and you want to know if we can provide cover for you please complete a quote and this will inform you of the next steps.

Disclosing information about a heart condition

It is important that you answer questions about your heart condition accurately and honestly – if you don’t, it could invalidate your policy.

Heart condition diagnosis after a policy has begun

If you already have Life Insurance in place before you are diagnosed with a heart condition; it will have no impact on the cost or cover provided by your policy, another good reason to get life insurance in place early. Additionally, if you have critical illness cover see our list of critical illnesses for the heart related conditions we cover.