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        Updated: April 19, 2024

        Life Insurance with a Heart Condition

        Looking for life insurance with a heart condition? We explore how different heart conditions affect your insurability, and why finding the right provider is key

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        We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

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        According to the British Heart Foundation, there are around 7.4million people in the UK who suffer from a form of heart disease. Considered one of the most common causes of death in the UK, taking out life insurance is a way that many people with a heart condition can find peace of mind, by ensuring that their family and dependents don’t have financial difficulties when they die.

        Yet because heart problems are considered higher risk by providers, finding life insurance for the people affected involves shopping around. Not all providers will offer life insurance for someone with a heart condition, but there are some who will. It’s also possible to get insurance for heart attack victims.

        In this article we answer some of the most common questions about life insurance for heart patients, including:

        Can people with heart conditions get life insurance?

        Yes, though not all providers will cover it, and some life insurance policies only cover certain conditions. Life insurance for heart disease patients are more likely to be offered higher premiums and/or with special terms imposed as the health risk is much higher, therefore the chances of them paying out for a claim is also higher.

        It’s advisable to talk to a professional life insurance expert who is experienced in finding life insurance for people with heart problems to ensure you get the best deal.

        Speak to an expert today

        Do life insurance policies vary according to your heart condition?

        An insurance provider will ask to see the details of your condition and previous medical history. Though heart disease is considered high risk, different people are affected in different ways and some may have a more severe form than others. Providers will also consider other factors like your age and lifestyle (e.g. whether you’re a smoker).

        Your policy may be affected if you have had a heart attack (which we cover later on) or one or more of the following:

        Having a pacemaker shouldn’t affect getting life insurance. The fact you have one shows that your condition is being managed, so it’s possible that some providers may offer you a lower premium than someone who doesn’t have one.

        Depending on the reason you have been fitted with a pacemaker, how long ago you had it fitted, if you’ve had any issues since then and your overall health you may find lenders exclude heart conditions or impose other special terms.

        Taking out life insurance after heart bypass surgery is possible, though it may be a lengthy process. A bypass is a major procedure and flags up to a provider that you have been seriously ill. They will assess your current health as well as medical history and if you can show you have made lifestyle changes since your operation (such as reducing or stopping alcohol), you may get a better deal.

        If you’re born with a health condition, you shouldn’t have a problem taking out life insurance. In terms of life insurance for congenital heart disease, sufferers may be offered it but at a slightly higher premium than someone who doesn’t have any conditions, or more likely, an exclusion for that specific condition.

        If you have atrial fibrillation, life insurance will normally be easier to obtain, as it’s not considered life-threatening or fatal. However, providers may charge more as it’s a condition that can increase the risk of a stroke which would be considered high risk.

        Exclusions for strokes or other heart related conditions may be applied.

        Does life insurance cover heart attacks?

        It is possible to take out life insurance following a heart attack. Providers will want to know details including when you had it and how severe it was before they can make you an offer.

        However, you won’t get a life insurance heart attack payout if you survive a heart attack, as payments are only made to your dependents. If you would be interested in a payout to help you financially while you recover, you may want to consider getting critical illness cover alongside your life insurance.

        For more information about life and critical illness cover, speak with an advisor.

        Do you have to inform your life insurance company that you have a heart problem?

        Possibly, some providers require you to advise of any changes to your health throughout the lifetime of the policy however some do not. It’s important to establish this fine detail before applying and our expert advisors can help you there.

        It’s worth nothing that there are different types of life insurance that accommodate for different needs.

        For example, if you take out guaranteed life insurance, you don’t have to disclose your medical conditions. Yet because providers don’t know your medical history they’ll likely charge a higher premium.

        Speak to an expert for advice to find the best life insurance type for you.

        Speak to an expert about life insurance with heart disease

        Life insurance policies – and what they cover – will vary from provider to provider, so to save you the hassle of going through paperwork and getting quotes from numerous providers, speak with an expert.

        They’ll be able to take your circumstances into consideration to find the best deal for your needs. Give us a call on 0808 189 0463 or make an enquiry. We don’t charge a fee and there’s no obligation to make a purchase.

        Ask a quick question

        We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

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        Pete Mugleston

        Pete Mugleston

        Mortgage Expert, MD

        About the author

        Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

        Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

        FCA Disclaimer

        *Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us as well as any of our own are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

        Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.