Heart conditions cover wide range of conditions including:
Atrial fibrillation, angina, tachycardia, irregular heart beat, atrial septal defect, tetralogy of fallot, bicuspid aortic heart valve.
Impact on underwriting is based upon a few considerations – is the condition likely to affect client morbidity? Will the client need surgical intervention in the future? Some conditions, such as atrial fibrillation, increase the risk of stroke so medications such as Warfarin are taken which carry their own risks.
What we need to know
Information that is useful to have to hand when looking at life insurance includes:
• When were you diagnosed?
• Any medications you take
• Have you had/will you require any surgery?
• How severe is your condition, is your day to day life impacted?
• Are you under regular review?
• Have you been discharged from review?
•For certain conditions, such as irregular heart beat, has any underlying cause been identified?
63 year old Rob had been diagnosed with atrial fibrillation 7 years ago and still has frequent symptoms. His cardioinversion procedure was sadly unsuccessful and he needs regular anticoagulant medication (warfarin) and bisoprolol (beta blocker). Due to his combination of risk factors, ongoing symptoms, elevated BMI and medications most insurers were declining to offer him cover. After research and because of our experience in finding cover for cases like this, we managed to get Rob life cover with AIG with a +100% rating to the base premium.
Emma is a non-smoker, age 46, with history of ectopic heartbeats and hyperthyroidism. We found standard life cover rates for her with a critical illness exclusion for any related heart surgery.
*Names changed for privacy