Life Insurance after Coronary Angioplasty
We have created the information below and the enquiry questions for those who have had a Coronary Angioplasty.
Having a Coronary Angioplasty does not mean all mainstream insurers will not offer cover.
However, cover availability and cost will depend on:-
- how long ago you had your Coronary Angioplasty
- the number of arteries involved
- the condition of each arterial section
- overall severity
- any other conditions or complications
- your age
Pulse specialise in finding cover for those who have been declined whether they have had a Coronary Angioplasty and may have other conditions or complications.
Cover is not always available, but we like to think if it is, we will find it for you.
Beyond Your Coronary Angioplasty
Sometimes there are no associated conditions or complications, however if you have any of the following you may wish to review the details for these conditions as well..
If you have any of these, you can provide additional details about these when making your enquiry.
- excessive alcohol consumption or Alcoholism
- Atrial Fibrillation
- Diabetes Type 1
- Diabetes Type 2
- Heart Attack
- High Blood Pressure (hypertension)
- High Cholesterol
- Obesity (review our details if your BMI is above 35)
- Thrombosis (DVT)
OR if a cause / condition is not listed, you may of course provide details when making an enquiry.
Make a Life Insurance Enquiry
If you need a specialist underwriter.
If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your condition(s) 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 will be easier to find cover if your condition has become stable. It is almost inevitable that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.
Your application with Pulse Insurance will always be individually considered by our underwriters based on the specifics of the details you provide.
If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 841430.
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 where we can offer cover the premium will be higher to reflect your increased risk, we like to think we are good at helping people find the cover they need.
In most cases after Coronary Angioplasty, we can offer indicative premiums and/or a sense of whether cover may be available or not early on; so you can decide how to proceed.
It is always important to declare your Coronary Angioplasty and any other medical conditions completely.
Your Personal & Medical Details
Everything you disclose about your Heart and your Coronary Angioplasty and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything.
Life cover is issued based on a “snapshot” of your health. Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.
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 Coronary Angioplasty and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As you have a serious medical condition, it is likely 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. 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.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
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.