updated July 2016
The good news is 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.
That makes pretty grim reading doesn’t it?
But it doesn’t mean that it’s impossible to get life insurance with heart disease (including angioplasty and coronary artery bypass graft)
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%.
Explain life insurance loadings
Stenting relieves symptoms but it’s not a cure so control of the causes of the narrowing arteries must be addressed through diet, exercise etc. This is of utmost importance to the life insurer.
To make a decision 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 cover all the costs.
If you’re considering life insurance after having a stent fitted, please complete the form below and I’ll be in touch. Alternatively call me directly on 05793 20836.
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.
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