Cardiomyopathy Life Insurance
If you have tried to obtain Life Insurance following a diagnosis of Cardiomyopathy you may have been quoted incredibly high premiums or been refused cover altogether.
At Your Life Protected, our experts have years of experience in finding Life Insurance for people with complex heart conditions, including Cardiomyopathy, and our relationships with the UK’s top insurers mean we’re able to save you time, stress and money in securing the most appropriate cover.
Life Insurance with Cardiomyopathy
There are 3 main types of Cardiomyopathy: Dilated, Hypertrophic & Arrhythmogenic Right Ventricular Cardiomyopathy.
Due to the complex nature of the condition, all insurers are likely to increase your premium if you receive a diagnosis of Cardiomyopathy. The more mild the condition is for you, the less of an impact you are likely to see on your premiums.
Each insurer will always look at each case individually and assess each risk factor closely. Our expert knowledge of the market and the insurers underwriting conditions is key to ensuring you see the lowest possible impact to the price you pay for cover.
What we will need to know..
During the quote process for Cardiomyopathy life insurance, we will ask you a number of questions to obtain relevant information. The more knowledge we have about you, your condition and your general health and lifestyle factors, the more easily we’re able to identify the most appropriate insurer for you.
Some of the key details we will ask you about include:
- When you were diagnosed
- The cause of your diagnosis? E.g. inherited / caused by a viral infection / high blood pressure etc…
- What treatment you have received
- Any medications you take to control the condition
- If you suffer with any symptoms as a result of the Cardiomyopathy
- The thickness of your heart muscles
Family History
In many cases Cardiomyopathy is inherited. If one of your close relatives (parents or siblings) has been diagnosed with Cardiomyopathy, you may experience an increase in premium for your policy – especially if you have not been screened for the condition.
Not all life insurance companies have the same underwriting conditions, so we will always do our best to track down the most competitive option for you based on your unique circumstances.
If you have any questions about securing life insurance with Cardiomyopathy or would like to obtain a no obligation quote, call our friendly expert team or request a quote online now.
- Will I get Life Insurance with Cardiomyopathy?
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The likelihood of securing Life Insurance if you have Cardiomyopathy will very much depend on a number of factors: The Type of Cardiomyopathy you have, How long you’ve had the condition and if you experience any associated complications. With every case being assessed on its own merit, the best way to find out will be to speak with one of our advisers.
- There is Cardiomyopathy in my family, will this affect my application?
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Insurers often ask of any direct relatives (parents and siblings) have been diagnosed with Cardiomyopathy, if this is the case questions may be asked to establish whether you have had any screening for the condition. If you have, and no issues have been detected, there is rarely an issue securing cover.
- I had a recent Cardiomyopathy diagnosis, will I have issues securing Life Insurance?
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A recent diagnosis of Cardiomyopathy can cause issues securing Life Insurance. The reason for this is most Insurance companies like a couple of years’ worth of monitoring to see what (if any) changes have occurred. The more stability over this time frame, the better the chances of getting Life Insurance in place.
- My Cardiomyopathy is now resolved, will this still cause issued with Life Insurance?
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Some forms of Cardiomyopathy are reversable and can improve with treatment. If this describes your situation, securing Life Insurance may be more straightforward. If clear evidence if available, detailing the improved Cardiac condition (over a prolonged period), Life Insurance providers will likely offer more favourable terms.
