Can I get life insurance with Heart Attack?
Life insurance after a heart attack is available, though terms depend on the severity of the attack, how long ago it occurred, the current state of your heart health (ejection fraction, stent placements, medication), and whether underlying causes (hypertension, cholesterol) are now controlled. Many heart attack survivors can get cover, often with a loading, once a period of recovery has passed.
How does Heart Attack affect my premium?
A heart attack that occurred 2+ years ago with a full or near-full recovery, controlled risk factors, and no significant residual heart damage may attract a premium loading of 100–200%. More recent heart attacks, or those with significant residual damage (low ejection fraction, multiple vessel disease), typically result in higher loadings or postponement.
What will the insurer ask?
Expect questions covering: when you were diagnosed, your current treatment and medication, the most recent test results or medical reports, any complications or related conditions, and any time off work due to your health. For higher sums assured, a GP report may be requested.
Which insurers are most competitive?
Aviva and Legal & General are among the more competitive for heart attack survivors with good recoveries. For more complex cases, specialist brokers with access to non-standard markets are important. The most competitive insurer for your profile can only be identified by comparing the whole market — premiums can vary by 30–50% for the same applicant across different providers.
Should I also look at critical illness cover and income protection?
Yes — life insurance only pays on death. Critical illness cover pays a lump sum on diagnosis of specified serious conditions. Income protection replaces your income if you cannot work. Depending on your condition, all three may be available — though terms and exclusions vary by insurer and condition.
Key tips when applying
- Disclose everything: Non-disclosure is the leading cause of rejected claims. Always be fully transparent about your medical history.
- Apply when stable: Applying when your condition is well-controlled gives you the best chance of favourable terms.
- Don't self-reject: Many people assume they can't get cover. In the vast majority of cases, cover is available at a reasonable cost.
Frequently Asked Questions
Yes — Heart Attack is insurable in most cases. Terms vary by severity and how well-controlled the condition is. Comparing the whole market gives you the best chance of finding affordable cover.
It depends on the condition and its severity. Some conditions result in standard rates; others attract a premium loading or specific exclusions. A whole-of-market adviser can identify which insurers offer the most competitive terms for your profile.
Non-disclosure can invalidate your policy. Insurers check medical records when a claim is made — if a condition was not disclosed, a claim can be rejected and premiums refunded. Always disclose your full medical history.