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Life Insurance with a Stent Fitted

life insurance with a stent fitted

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.

Life insurance with heart problems

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)

Is it possible to get life insurance with a stent fitted?

If you’re applying for life insurance

  • with a stent fitted less than 6 months ago,
  • or if you’re under 40,

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:

  1. there have been no complications since the surgery
  2. you have taken steps to address the cause of the narrowing arteries.

How much is life insurance after a heart attack?

It depends on the severity of the attack, the number of stents fitted  and whether there any other medical factors present such as:

  • High BMI (height/weight)
  • Smoking
  • Family history of health issues
  • Other cardiovascular risk factors like blood pressure/cholesterol

The starting price of your cover will be around twice the normal price. That’s a loading of +100%.

Explain life insurance loadings

What information does the insurer look for?

  • Current symptoms and effect on physical activity
  • Time since procedure
  • Number of stents fitted
  • Any other health issues? e.g. diabetes, high cholesterol, hypertension, obesity, smoking, family history.
  • Ongoing treatment

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.

Over to you…

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.

Nick McGowan | making life insurance easier

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