Can I get life insurance if I’ve had a heart attack?

I want to get Life Insurance but can’t find out any information about whether past medical conditions such as heart attacks are excluded.

Question asked by Andrew Thomas
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Answered by Oliver Evans

If you have been unlucky enough to suffer from a heart attack, you may still be able to get some life insurance in place.

Information you may need to provide to the insurers

There are a number of factors which the insurer will consider, such as when the heart attack occurred, if there has been any surgery or stents fitted, are there any on-going symptoms, have there been any problems or symptoms since the attack, what medication are you taking, are there any follow up appointments, what vessels were affected and how many attacks you have had?

All these factors come into whether or not the insurer will offer cover and at best you would be looking at a premium increase by the insurer.

Speak to an expert

As always with these things, it is best to speak with a qualified adviser that can gather all this information around your circumstances and approach the life insurers and get an understanding of which insurers will be able to offer the best terms for your life cover.

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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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