Can You Get Life Insurance after a Heart Attack?

Like most health issues, the answer is “Yes, it’s possible, but it depends on a number of factors.”I’ll run through the most important ones.The insurerDifferent insurance companies have varying guidelines and risk assessments.Some may have stricter criteria and longer waiting periods, while others might offer more lenient terms.Our job is to find the most suitable insurer for your situation.Date of the heart attackIf you’ve had a heart attack in the last three months, insurers will wait until this period has passed.They also need you to complete any follow-up tests before offering coverage.AgeYounger people will find it more difficult to get life insurance after a heart attack.If you’re under 40 and have suffered a heart attack, I’m afraid it’s going to be almost impossible to get cover.Frequency of attacksTwo or more heart attacks will usually result in a decline .Other health issuesIf you have other health conditions such as diabetes, stroke, circulatory problems or other heart problems such as valvular heart disease or cardiomyopathy, the insurer will refuse cover.The Severity of the Heart Attack:Mild heart attacks may result in shorter waiting periods, while severe ones often lead to longer waiting periods.Current Health and Recovery:A well-documented, smooth recovery with no ongoing complications can shorten the waiting period.Ongoing health issues or complications can extend it.Follow-Up Care and Compliance:Regularly following up with your cardiologist and sticking to prescribed treatments and lifestyle changes can shorten the waiting period.

How Much Does Life Insurance after a Heart Attack Cost?

You’re looking at a loading of between 100% and 300%.If someone in perfect health pays €50 per month for their cover, you’ll pay between €100 and €200 per month for the same cover.

Can you get income protection or serious illness cover after a heart attack?

Unfortunately not but Multi Claim Protection Cover and Cancer Only Cover are possible.

Medical Issues & Life Insurance Archives - Page 5 of 5

Medical Issues & Life Insurance

Life Assurance After a Heart Attack in 2024

It's possible to get life insurance after a heart attack.

But there are a number of factors you need to be aware of.

I discuss them in more detail in this post.

Life Insurance with a Stent Fitted

You can get life insurance and mortgage protection cover after having a stent fitted.

Here we go through the factors the underwriters will consider before offering cover.

Be warned! If you're under 40, it's going to be difficult to get cover.

How Does Your Family Medical History Affect the Cost of Life Insurance?

You think you're healthy when you begin the life insurance application form...then you reach the family history question:

Have any of your parents, brothers or sisters ever had one or more of the following medical conditions at the ages specified:

Hmmm...

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