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Life Assurance after a Heart Attack

 

heart attack life insurance

Chest Pain Life Insurance Questionnaire

The technical term for what we commonly call a heart attack is a Myocardial Infarction (MI).

This is when part of the heart muscle suddenly loses its blood supply.

Without prompt treatment, it can damage the affected part of the heart.

The most common symptom of an MI is severe chest pain.

The pain may be similar to angina, but it’s usually more severe and lasts longer

How do insurers assess life assurance after a heart attack?

Life assurance after a heart attack is possible but it depends on a number of factors:

  • Your age when your heart issues started
  • Frequency of attacks and the date of the last attack
  • How severe have the attacks been
  • Results of all your investigations
  • Are you a smoker/overweight/high cholesterol
  • Your treatment and how you’ve responded
  • Have there been any complications
  • How has the functional capacity of your heart been affected
  • Is your occupation stressful

What are the chances of life assurance after a heart attack?

As above it depends on a number of factors, I’ll run through the most important ones.

Age

Younger 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.

Date of last attack

If you have had a heart attack in the last 6 months, the insurers will postpone offering you cover.

Frequency of attacks

Two or more heart attacks will usually result in a decline.

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.

Over to you…

Worried you or a loved one won’t get cover because of a heart attack?

Don’t be afraid to give me a call on 05793 20836 so we can discuss your case in confidence.

Alternatively, click to open and complete this chest pain questionnaire.

I can then speak with my underwriters to assess your chances of success and try to get an indicative quote before you make a formal application.

Nick McGowan
lion.ie | making life insurance easier

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Specialist Life Insurance | Getting cover with an Illness

Even seemingly insignificant health issues such as asthma can affect your life insurance.

That's why it's best to speak to a specialist life insurance advisor before you apply.

If you don't know a good one, let me know, I'm sure I can point you in the right direction ;-)

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