Are you finding it difficult to secure life insurance because of a previous heart attack? We can help!At iLL, we specialise in helping people with heart-related health issues who are looking for life insurance to find the right cover that gives them total peace of mind. Use our comparison service to find the right heart attack life insurance from a network of approved impaired insurance specialists. iLL saves you time and money by finding the right policy for you at the best price.
Also known as a myocardial infarction, a heart attack is caused by a cutting off of the blood supply to the heart. It is usually caused by a blood clot. A heart attack can be life threatening, and emergency treatment is always required. Symptoms of a heart attack include a painful and tight-feeling chest, shortness of breath, feeling light-headed or dizzy and indigestion. Symptoms usually occur together at the same time.
Being overweight or obese can increase your chances of having a heart attack. In order to prevent a heart attack, it is recommended that you don’t smoke, drink too much alcohol, or maintain a high BMI. Regular exercise, a healthy diet and moderating alcohol intake are steps you can take to minimise the chances of having a heart attack.
Applying for heart attack life insurance following a heart attack could be more difficult than it would be for a person without any medical conditions, but there are many insurance companies that will accept applications. An insurer will generally want to know more about the details of when your heart attack occurred and any health complications you have had as a result.
It can be confusing to try and find the right heart attack life insurance cover for your needs. Some heart conditions that lead to a heart attack are pre-existing (such as heart disease). Some insurers can be cautious about accepting your application, depending on your circumstances and medical history. All insurers have to underwrite applications they receive from customers looking for heart attack life insurance, as they need to assess their level of risk. If you have had major health complications as a result of a heart attack, it can be more challenging to find an insurer that meets your needs.
This is where we come in. At iLL, we can help you find the right life insurance for your personal circumstances if you have experienced a heart attack.
If you have experienced a heart attack in your medical history, you should expect to pay higher premiums than a person with no health conditions at all, but no more than other pre-existing medical conditions, meaning that the increase should be minimal. This is because heart attacks are not considered to be an uncommon or rare condition, and because taking necessary health and lifestyle steps can greatly reduce the chances of a heart attack from occurring again. This will however depend on the severity of your heart attack, any medications and treatment you received as a result, and the overall level of risk you pose to an insurer.
Prices from insurers will vary, which is why iLL is the ideal place to find the best heart attack life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you have experienced severe health complications as a result of a heart attack, or were hospitalised for some duration as a result of your heart attack, there is a great likelihood of you making a claim to an insurance company in future, and a loading fee may therefore be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal. It’s quick and easy to get your quote – just fill in our 30-second form.
iLL works with many of the UK’s leading heart attack life insurance providers. Just fill in a 30-second form and your details will be submitted to a panel of FCA-registered impaired life insurance specialists. You can then receive quotes from more than one heart attack life insurance broker. This should help you to find:
If you are trying to secure critical illness cover and you have experienced a heart attack in your medical history, you may need to speak to a specialist insurer that suits your needs. Some insurers may offer critical illness cover and accept applications for a person following a heart attack, but this will depend on your circumstances and level of risk. Acceptance criteria can be strict, especially if an underlying medical condition is present and linked to your heart attack. Some insurers may offer you cover for critical illness, but place exclusions on your policy in relation to heart conditions. iLL’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. It’s quick, easy to do and saves you time searching the market for the right insurer.
For more information about what to do following a heart attack and lifestyle advice, visit the following links:
iLL makes the purchasing of heart attack life insurance as quick and easy as possible. If you have an impairment or a pre-existing medical condition in your medical history, it can feel overwhelming to know where to find the best price and insurer for your circumstances. Fill in our simple 30-second form with your details to be referred to our specialist impaired life insurance partners for heart attack life insurance. We will search the market for you to find the best and most comprehensive cover at the right price.