Heart conditions life insurance

Are you finding it difficult to secure life insurance because of a previous heart condition? At iLi, we specialise in helping people with heart-related health issues who are looking for life insurance to find the right cover that gives them total peace of mind. Use our comparison service to find the right heart conditions life insurance from a network of approved impaired insurance specialists. iLi saves you time and money by finding the right policy for you at the best price.

Heart conditions and life insurance

Being overweight or obese can increase your chances of having a heart condition such as heart disease. In order to prevent heart conditions, it is recommended that you don’t smoke, drink too much alcohol, and maintain a healthy BMI. Regular exercise, a healthy diet and moderating alcohol intake are steps you can take to minimise the chances of having a heart condition.

Applying for heart conditions life insurance can give you total peace of mind for the future – especially if you have dependents such as a spouse or children. There are many insurance companies that will accept applications for heart conditions life insurance, that will also be sympathetic towards applications. An insurer will generally want to know more about the details of when your heart condition(s) occurred, the impact they have on your general health, and any ongoing health complications you have experienced as a result.

Finding heart conditions life insurance

With so many life insurance options to choose from, finding the right heart conditions life insurance cover for your needs can be a confusing process. Some heart conditions (for example, those that lead to a heart attack), are pre-existing (such as heart disease). Some insurers can be cautious about accepting applications for pre-existing heart conditions, although this will depend on your circumstances and medical history. All insurers have to underwrite applications they receive from customers looking for heart conditions life insurance, as they need to assess their level of risk. If you have had major health complications as a result of a heart condition like heart attack or heart disease, it can be more challenging to find an insurer that meets your needs. With iLi, you can instantly find the right heart conditions life insurance for your personal circumstances.

Heart conditions life insurance premiums

If you have suffered from a heart condition in your medical history, you should generally expect to pay higher premiums than a person with no health conditions at all. Some companies may accept you on standard terms, but you’d need to prove that your condition was under control, and that you had no symptoms or associated health issues. Heart conditions are generally not considered to be uncommon or rare, and for many people, taking necessary health and lifestyle steps can greatly reduce the chances of a heart condition from occurring again. Your premiums will depend on the severity of your heart condition, any medications and treatment you have received, and the overall level of risk you pose to an insurer.

Prices from insurers will vary, which is why iLi is the ideal place to find the best heart conditions life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you have experienced severe health complications as a result of a heart condition, or were hospitalised for some duration, an insurer may take the view that there is a greater likelihood of you making a claim to an insurance company in future, and a loading fee may therefore be applied to cover this risk.

At iLi, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal for cover.

Companies offering heart conditions life insurance

iLi works with many of the UK’s leading heart conditions life insurance providers. Just fill in a 30second form and your details will be submitted to a panel of FCA-registered impaired life insurance specialists. You can then receive quotes from more than one heart conditions life insurance broker. This should help you to find:

– Heart conditions life insurance cover at a suitable price
– A policy that covers you for all you need
– An insurer with a detailed knowledge and understanding of various heart conditions

Further cover for heart conditions life insurance

Critical illness cover with heart conditions

If you have experienced a heart condition in your medical history and you’d like to secure critical illness cover, you may need to speak to a specialist insurer that suits your needs. Some insurers may offer critical illness cover and accept applications from people with heart conditions, but this will depend on your circumstances and level of risk, and premiums may be higher. Acceptance criteria can be strict, especially if an underlying medical condition is present and linked to your heart condition. Generally speaking, for critical illness cover, exclusions may be placed on your policy in relation to heart complications. iLi’s policy comparison service can help you find the right cover.

Further help and information

Visit the following links for more details on heart conditions:

British Heart Foundation

NHS Inform

Or visit one of our Impaired Life Leads dedicated websites.

iLi makes the purchasing of life insurance as quick and straightforward as possible. If you have an impairment or a heart condition in your medical history, taking out heart conditions life insurance can bring you and your family total peace of mind for the future. Just fill in our simple 30-second form with your details to be referred to our specialist impaired life insurance partners for heart conditions life insurance. We will search the market for you to find the best and most comprehensive cover.

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