Can I get critical illness cover if I’ve had a heart attack?

I’ve recently had a heart attack and it’s really made me look at my finances. I would like to take out Life Insurance in case anything happens to me and my wife has a large mortgage to pay on her own?

Question asked by Matt Thomas
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Answered by Rauri Taylor

Obtaining Critical Illness cover after suffering a serious condition such as a heart attack

This question isn’t as straightforward as just a yes or a no; it would depend on a number of health and lifestyle factors as to whether terms would even be offered for critical illness cover if you have already suffered a heart attack.

Other factors that will be taken into account

Factors that would be taken into account include your age, smoker status, if you had surgery, how long ago the heart attack occurred, how many vessels in the heart have been affected, if there are any ongoing issues/problems and if there are any other conditions that could be associated with the heart attack or not.

The best way to move forward is to obtain as much information as possible about the heart attack from your GP or surgeon and give that to your financial adviser so they can speak to each insurers underwriting department to establish which insurer will offer you the most favourable terms with the best price.

Get advice from an expert

As independent protection advisers we would be able to do this for you and there would be no fee to pay for this service.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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