Heart Disease describes all medical conditions that affect the heart. The term can be used to describe any medical condition that affects the cardio-vascular vessels, any structural problems with the heart and blood clots.

Some common symptoms for most heart conditions include chest pain, tightness in the chest, pressure in the chest and chest discomfort which is popularly known as angina.

Life Insurance and Heart Diseases

Life insurances are essential financial products that help provide a safe financial future for your loved ones in your absence. Most individuals do include life insurance policy in their long term financial planning and purchasing life insurance is also relatively easier for them as compared to individuals with pre-existing heart conditions.

Heart conditions are very risky for insurance providers to cover as they pose a high-level medical threat to the applicant. Most life insurances provided to such individuals are non-standard or have a higher rate of premium. In severe cases, the insurance company might refuse to provide a cover, however, if the condition is mild and well under control, then life insurance policies can also be made available under standard terms and conditions.

Factors your life insurance will depend on

There are many factors the availability and cost of your life insurance will depend on. Some of them are listed below:

  • The type of heart disease you suffer from
  • The severity of the condition
  • The time of diagnosis of your condition
  • The type of medication or control measure you take to control the condition
  • If you have had surgery or have a surgery due

Apart from the above-mentioned factors, the cost of your life insurance will also depend on:

  • The sum assured
  • The term of the insurance
  • The type of cover
  • Your age
  • Your lifestyle
  • Any medical complications apart from heart conditions
  • Your BMI

We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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