Can I Get Critical Illness Insurance as a Smoker?
Question asked by Gemma Stone
I’ve recently had a heart attack and it’s really made me look at my finances. I would like to take out Critical Illness Insurance in case anything happens to me. I don’t want to leave my wife with a large mortgage to pay on her own.
If you’ve suffered a heart attack in the past, it’s not always a flat-out ‘no’ when it comes to getting Critical Illness Insurance. However, insurers look very carefully at your current health and lifestyle before they’ll cover you.
Before deciding whether to give you Critical Illness cover, providers will look at the following factors:
With a more complex situation, getting quotes online probably won’t give you great results.
You should gather as much information as possible from your GP or surgeon and give this to an independent adviser (like our experts at Drewberry™).
We have great relationships with insurers’ underwriting teams. So our experts can go straight to the providers who’ll offer you the best policy.
We live and breathe insurance, and are here to chat about what’s best for you.
No fees, just free advice and access to the most competitive rates. Give us a call on 02084327333 or email us at help@drewberry.co.uk.