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.
For men and women, heart disease is the single largest cause of death in the developed world.
But it doesn’t mean that it’s impossible to get life insurance with heart disease (including angioplasty and coronary artery bypass graft).
It depends on which category you fall into:
If you’re applying for life insurance
it’s unlikely you will get life insurance, but we can certainly try.
If you’re over 40 and are applying for life insurance with a stent fitted more than 6 months ago, it’s possible to get cover once you meet two conditions:
It depends on the severity of the attack, the number of stents fitted and whether there any other medical factors present, such as:
The starting price of your cover will be around twice the normal price. That’s a loading of +100%.
Stenting relieves symptoms, but it’s not a cure. The insurer would prefer to see you address the causes of the narrowing arteries by changing your lifestyle.
To decide on whether to offer cover, the insurer will request a medical report from your GP.
You don’t need to arrange or pay for this; the insurance company will request the report and cover all the costs.
It is vitally important to apply to the most sympathetic insurer when it comes to heart problems.
Some insurers are a lot stricter than others.
We know which insurer to apply to for the lowest price with the least amount of hassle.
Complete this short questionnaire, and I can discuss your case, in confidence, with my panel of underwriters before you apply.
The minimum information I will need to give you a steer is:
Thanks for reading,
Have a nose through our free life insurance guidesView our guides
As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!