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Life Insurance with Heart Disease Get Your Free Quote

Life Insurance with Heart Disease Cover available after heart conditions

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Heart Conditions and Life Insurance

What to expect when applying with a heart condition.

After a Heart Attack

Many insurers will consider applications after a heart attack, typically after a recovery period of 6-12 months. The longer since the event, the better the terms.

Ongoing Heart Conditions

Conditions like angina, arrhythmia, or heart failure are assessed individually. Well-managed conditions with stable medication often qualify for cover.

After Heart Surgery

Bypass surgery, stents, or valve replacement don't automatically disqualify you. Insurers assess recovery and ongoing health. A broker will call to compare.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

1

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

2

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

3

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

Yes, many insurers will consider applications after a recovery period. The time since the heart attack, your current health, and medication all affect eligibility and pricing.
Most insurers require at least 6-12 months. Some may defer for longer depending on severity. A broker will call to check which insurers will consider your timeline.
Yes, premiums for heart conditions are typically higher. The increase depends on the type and severity of your condition. Comparing quotes from multiple insurers is essential.
Managed high blood pressure is covered by most insurers with little or no premium increase. Uncontrolled blood pressure may lead to higher premiums or deferral.
Different insurers have different criteria for heart conditions. Being declined by one does not mean all will decline. A broker will call to compare options from specialist providers.

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