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Life insurance with Bradycardia

Overview

Life Insurance is often available for those with Bradycardia. Those with a resting pulse below 40 and/or other complications may be declined by standard insurers.

Pulse may be able to help if you have been declined.

Life Insurance premiums are likely to be higher when a resting heart-rate is below 40 as this often means there may be underlying health issues causing this.

If you suffer from other significant medical conditions, you may wish to read our details on that before enquiring, as we may need to ask more specific questions about them as well.

If you have not already been declined for life cover, you could consider approaching mainstream insurers first.

 

Make a Life Insurance Enquiry

If you need a specialist underwriter

Pulse specialise in taking your Bradycardia and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.  

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.

It is likely that we will require a Medical Report before cover can be issued.

We will discuss this with you when you enquire.

 

Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are rather good at helping people find the cover they need.

In 95% of Bradycardia cases, we can offer indicative premiums and/or sense of if cover may be available early on; so, you can decide to proceed or not.

 

Being Transparent

It is always important to declare your Bradycardia and any other medical conditions completely.  Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.

 

Your Personal & Medical Details

Everything you disclose about your Bradycardia and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

 

Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.

 

Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Bradycardia and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.

 

Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to medical.reports@pulse-insurance.co.uk or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

 

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.

 

For Pulse Intermediaries

The following details may help you when competing an application for your client.

http://www.nhs.uk/Conditions/arrhythmia/Pages/arrhythmia.aspx

Need help? Call us on: 01280 841430