Life Insurance for people with a Heart Condition

Designed to provide your loved ones with financial security when you die.

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Moneysworth's team are experts in helping people with heart conditions to find suitable Life Insurance.

Over the years, we've helped many people to find Life Cover after they've previously suffered a heart condition.

This includes many who come to us as a result of patients' feedback to the British Heart Foundation.

We believe we've got the experience to help you find the most suitable policy on your Life Insurance

  • Having a heart condition has become one of the most common medical problems among clients who ask us to help them find Life Cover.
  • We work with a wide range of insurers who can offer favourable terms to people with differing heart conditions and Life Cover needs, so there's a good chance we can help you too!

Not just for people who have suffered a heart attack

The most common heart condition we come across is heart attack (or myocardial infarction, sometimes referred to as 'MI'). However, we've also been able to find Life Cover for people with other types of heart conditions, such as:

  • Angina
  • Angioplasty
  • Aortic Regurgitation
  • Aortic Stenosis
  • Atrial Fibrillation
  • Bicuspid Heart Valve
  • Brugada Syndrome
  • By-Pass
  • Cardiac Arrest
  • Cardiomyopathy
  • Heart Murmur
  • Hole In The Heart
  • Implantable Cardioverter Defibrillator
  • Long QT Syndrome
  • Replaced Heart Valve
  • Tachycardia
  • Transposition of the Arteries

In the majority of cases, we succeed in finding people the life cover they need, at a price they can afford.

What about Critical Illness Cover for people with Heart Conditions?

Generally it is more difficult (or impossible) to obtain Critical Illness Cover if you have a heart condition. However it can sometimes be possible, and we have arranged Critical Illness Insurance for some people with heart conditions, including heart attack. It's certainly worth asking us – we promise to do our best!

How Moneysworth is better placed to help you find Life Insurance

Many people come to Moneysworth after being declined Life Cover elsewhere.

We're often successful in finding Life Cover for these people. Different life insurance companies often take differing positions on the same information. Our processes are designed to help identify where you can get the most favourable result.

There are cases when, despite our best efforts, we are unable to find cover – but usually we are able to find the cover you require.

Why? Because when insurance companies look at your condition and requirements, they don't always make the same decision.

If you were to ask just one or even a few insurers, how would you know if the terms you're being offered are really competitive? Also, if those insurers decline to offer you any cover, how would you know if other insurers in the market would make the same decision?

Moneysworth deals with insurance companies across the market, so asking us to find Life Insurance on your behalf could save you a lot of time and worry. This is a real benefit if you want to feel confident that you're getting a really good outcome.

Before applying to insurers, we carefully examine the details of your circumstances. We have a wealth of experience in searching for Life Cover for people with health conditions, which means there's a good chance of finding life insurance with suitable premiums.

We've even developed special research processes designed to help you get a favorable result. So, by the time we apply, we already have a good idea of what the final outcome might be - and can usually give you an idea of the price as well.

If Moneysworth can't get you the cover you are seeking, it probably isn't possible to obtain.

We know (based on personal experience) the value of Life Insurance. It's one of the reasons that we're so dedicated to helping each and every client find the most suitable result.

Very few other companies are able to offer you the level of specialist knowledge and experience that our team has gained. Moneysworth has been successfully sourcing Life Insurance for people with health conditions for over 10 years.

Moneysworth provide a personal service for every client. Right from the beginning, you'll speak with a real expert. No endless telephone menu options or being passed around different departments.

We help you throughout the whole process, providing you with explanations along the way. We aim to make the journey as easy as possible for you, ensuring that you feel fully-informed.

Peace of mind is worth waiting for! Why writing to your GP is a good thing…

When a life insurance company writes for medical information from a doctor, they will need to wait until they get the information back in order to make a final underwriting decision. Inevitably, this means that it takes a while to get a final answer.

However, if the life insurance company receives medical information from your GP and decides to make you a definite offer of life insurance, you can feel safe in the knowledge that the insurance company has taken independent medical verification before offering the terms.

Why is it so important that the insurance company sees your medical information?

Well, providing that you have fully and honestly answered all the questions on the application form, you can feel confident that the cover is fit for purpose and – if the worst happens – the policy will pay out.

We believe that knowing the policy will pay out is the most important thing for all clients – especially if you already have a health condition.

Looking for Travel Insurance for people with health conditions?

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We don't charge you a fee

If you start a policy, we will be paid a commission by the insurance company. The insurance company will usually pay for any doctor's fees if reports are required.

How long do you have to wait to apply for Life Cover, after you've had a heart attack?

It varies from one insurer to another. Many set a minimum waiting period of 12 months.

That's a long time to wait. What if you don't want to wait that long?

Thankfully, it can be possible to arrange life insurance within just 3 months of a heart attack – and sometimes even less than 3 months.

Moneysworth searches the market thoroughly, so you can be confident you're getting the best terms available to you.

Case study

Female aged 39, teacher, seeking £300,000 decreasing life cover over 30 years to cover her mortgage.

The client had suffered a heart attack at age 37, and then stopped smoking after she had the heart attack.

We were able to obtain the cover she sought, at approximately £75 per month, with guaranteed premiums. This means that her premiums will never change, even if she has future medical issues.