Life Insurance with Circulatory and Heart Conditions

Everything you need to know about Life Insurance and Circulatory Conditions 

When you are looking for life insurance, it is important that you find cover that is suitable for you and your loved ones. If you have a circulatory or heart condition, this can make the process feel more difficult or expensive than usual.

It is possible to get life insurance for circulatory conditions at a reasonable price. Independent insurance brokers are able to compare policies and prices to find the most suitable cover for you and your family.

However, it is important that when you are applying for insurance that you know what to expect and what the process involves when you have a heart or circulatory condition. 

What is a circulatory condition?

Also known as cardiovascular disease (CVD), heart and circulatory conditions refer to multiple conditions which affect the blood vessels and heart.

There are many conditions that are considered to be a CVD, the most common conditions include:

• Coronary heart disease
• Strokes
• Peripheral arterial disease
• Aortic disease

There are a range of factors that influence circulatory and heart conditions. However, this can typically include:

• Diabetes
• High blood pressure
• Raised cholesterol 
• High BMI

The treatment available for circulatory and heart conditions are dependent on the condition, but broadly, they include lifestyle changes, medication, pacemakers, stents or heart surgery.

Can I get life insurance with a circulatory condition?

If you have a diagnosis of a circulatory condition, you are still able to get life insurance without the premiums significantly increasing.

Your chances of being able to get life insurance and how much it will cost is dependent on your diagnosis and the severity of your condition, however, this is something that life insurance providers will investigate during your application.

It is likely that they will ask you to disclose further information about your condition, and in some cases, they may request medical evidence such as a GP report. Your consent will be requested before medical evidence is given.

What do insurers need to know about my circulatory condition?

The information that you will be required to provide when applying for life insurance is dependent on your condition and the insurance provider you deal with.

Each life insurance company has different processes and requirements; therefore, it may be different depending on this. 

Despite this variance for each provider, you can expect them to ask you questions about your condition that will help them to assess your risk. These typically include questions such as:

• The name of the circulatory or heart condition you have
• The date you were diagnosed with the condition
• Up to date readings that are relevant to your condition
• Information about medication or treatment
• Hospital admissions due to your circulatory condition

It is critical that you are honest when you apply for life insurance, failure to inform a insurer of your circulatory or heart condition could affect future claims. This would mean that your loved ones are not protected if you pass away.

Help with your circulatory condition life insurance application

I’m Insured is an experienced and independent life insurance broker, this means that we can help you to compare the market to find cover that is most suited to you and at the right price. 

Our team of experts have experience in helping those with a range of circulatory and heart conditions find life insurance. To begin the process with I’m Insured, you can get a free life insurance quote through our website. 

To find out more about specific life insurance for circulatory conditions, choose an option from the menu below.