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Life Insurance after a Blood Clot

blood clots and mortgage protection

You might have been worried about clicking on this page.

There’s no need.

Blood clots are run-of-the-mill.

Yes, sometimes they’re serious, but usually not life-threatening.

But as with anything health-related, you’re wondering if that blood clot will affect your chances of getting life insurance or mortgage protection.

First off, congratulations on finding us!

Why?

Well,  we have had very little trouble helping clients who have had a blood clot secure their perfect insurance plan.

But to make sure you’re in the right place, let’s break down what a blood clot actually is before looking at how it might affect your application.

What Is A Blood Clot?

In layman’s terms, it’s a natural process where the consistency of your blood becomes more gel-like – sounds scary but most of the time it isn’t.

Every time you experience a little cut or scrape your blood clots around the wound to stop the bleeding.

You know, so you don’t bleed out and die.

But if this clot decides to go on a little jaunt around your body, or form somewhere it isn’t needed, that is when things can get a little hairy.

One of the specific blood clots that you might have heard of is a Pulmonary Embolism.

This lad tends to form in the lungs and sometimes happens in conjunction with Deep Vein Thrombosis – a condition that can happen to a lot of pregnant women, but the following also increases the risk of DVT

  • Being older than 60
  • Lack of movement
  • Injury or surgery
  • Birth control pills (oral contraceptives) or hormone replacement therapy
  • Being overweight or obese
  • Smoking
  • Cancer

DVTs are larger, more voracious clots that can cause strokes, heart attacks, and disastrous swelling.

Don’t worry, if are caught early, they can be easily treated with traditional blood thinners – like warfarin.

Can You Get Life Insurance & Mortgage Protection After A Blood Clot?

Look I don’t want to jinx it, but as of now, I have never had an issue getting life insurance sorted for any of my clients – all of whom had  made a full recovery with no complications,

What you might need to be aware of is that some Irish life insurance companies won’t insure you until your treatment finishes, and some like to wait until three months have passed since the PE – just to make sure everything is stable

So,  getting life insurance when you’ve experienced a blood clot or two is possible.

In fact, I’d say you’re pretty much guaranteed that an insurer won’t see you as a no-go just because your blood decided to do something a little bit weird.

Can You Get Income Protection or Serious Illness Cover After A Blood Clot?

Yes!

For a single episode with no recurrences or underlying disease – the insurer may postpone for six months but then you should get income protection insurance or critical illness cover at the normal price.

What’s The Cost of Life Insurance After A Blood Clot?

Now we’re getting to the interesting part, the bit you all want me to tell you about.

Okay, I can’t give you exact numbers.

I know, I say it all the time but I really can’t give you a concrete number. You’re going to have to chat with me on a more personal level for that.

But we can go over a couple of things that might help you.

If you’ve only experienced a single episode with blood clots, fully recovered, and never had a repeat performance, the cost of your life insurance after a blood clot will probably be the same as it would have been before.

But, like one of my previous clients who had three blood clot episodes and was prescribed warfarin, if you have had a few blood clots you may find your insurance quote doubles until you are finished with your course of treatment.

But don’t worry, there’s light at the end of the tunnel.

Once a good 12 months have passed, and you haven’t experienced any more blood clots, and you are completely off any blood clot-related medication, your quote should drop back down to its normal level (but you would have to reapply at that stage)

If you need a more accurate quote, complete this questionnaire and we can see what we can do for you.

Why Do You Need A Broker to Help Get Life Insurance After A Blood Clot?

If it’s so straight forward, why the hell do you need my help?

Surely you can just do it all yourself, it’s just a blood clot.

Well, you could definitely wing it and see how you get on – best of luck!

But we have the knowledge and experience of how each insurer underwrites blood clots.

With any health issues, applying for life insurance can take a lot of time and back and forth until your insurance provider is happy they have everything they need.

We’ll do the heavy lifting for you to speed up the process.

Basically, once I know the ins and outs of your blood clot experiences (via the questionnaire above) I will know which insurer is your best bet and which ones just aren’t worth your very valuable time.

Here’s one we made earlier:

Case Study

Here’s a summary of a client’s history of pulmonary embolisms (PE):

  • 2016 – PE after pregnancy. Treatment – Xarelto for 1 year
  • 2019 – PE after Deep vein thrombosis resulting from a long flight. Treatment – Warfarin 6 months
  • 2022 – PE after DVT resulting from surgery. Treatment 6 months Warfarin

To me, it looked like a postponement, at least until the Warfarin treatment ended – most of the insurers felt the same.

But fortunately, we found an insurer who could offer cover while she was still on Warfarin so this meant she could get mortgage protection and buy her dream home.

Result!

testimonial

Over To You…

Health issues like blood clots can be nerve-wracking, especially if you haven’t already got the backup plan of life insurance to take care of everything if something went tits up.

Some people think these kinds of health issues are going to lead to a big fat nope being slapped onto their applications but not you!

You’ve done your research.

You’ve found the best in the business, 👌, and now you know that a blood clot won’t affect your application for life insurance that much.

So, if you’re ready to finally take the reins and give yourself the financial backup plan you deserve, we’re here to give you all the help we can.

We’ll do the ringing around for you, help you fill in those laborious questionnaires and get to know what you really need.

All you have to do now is get in touch.

Here’s the blood clot questionnaire again or, if you’re one for a traditional chat, you can call me on 057 93 20836 and for those who prefer to email you can get me at nick@lion.ie

I look forward to chatting with you.

Thanks for reading

Nick

Medical Issues & Life Insurance
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