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Life Insurance with Hypertrophic Cardiomyopathy

Overview

Finding Life Insurance with Hypertrophic Cardiomyopathy is often not so easy. Those with other complications or certain lifestyles may also be declined by standard insurers.

The condition inevitably presents a higher levels of risk and so Life Insurance premiums are likely to be higher. There are some cases such as after heart transplant where no Life Insurance insurers will provide cover.

The following is aimed at those who have been diagnosed with Hypertrophic Cardiomyopathy and are seeking Life Insurance.

 

Key Issues for Hypertrophic Cardiomyopathy

It is inevitable that anyone diagnosed with Hypertrophic Cardiomyopathy undergoes a fairly large and continuing series of tests both for diagnosis and to monitor the condition over time.

If you have been declined for Life Insurance by other insurers, that may not mean Life insurance is totally unavailable. Pulse Insurance specialise and may well be able to find cover for those with Hypertrophic Cardiomyopathy and other conditions, when other insurers decline.

The main aspects affecting the availability and cost of Life Insurance for those with Hypertrophic Cardiomyopathy are: -

  • Your Age & the nature of your Hypertrophic Cardiomyopathy
  • Stability & Control through / of treatment
  • Other Health conditions
  • Lifestyle
    • Smoking
    • Alcohol consumption
    • Exercise
    • Obesity
  • Family History 

 

Finding Life Insurance with Hypertrophic Cardiomyopathy

Please complete our Enquiry form and do not hesitate to call us for help on 01280 841430.

Pulse specialise in taking your Hypertrophic Cardiomyopathy 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.

 

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 good at helping people find the cover they need.

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

 

Being Transparent

It is always important to declare your Hypertrophic Cardiomyopathy and any other medical conditions completely.

 

Your Personal & Medical Details

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

 

Your Health

Every person with Hypertrophic Cardiomyopathy knows that their state of health, any complications and their lifestyle will impact their risk and the cover available. These factors will be explicitly considered when determining the fair premium, you would pay. 

Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything.

 

Requirements for more information

While our initial enquiry may gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Hypertrophic Cardiomyopathy 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. 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.

 

Useful Hypertrophic Cardiomyopathy resources

We suspect if you have read this far, you are relatively well informed about your Hypertrophic Cardiomyopathy.

You may know of or find these external resources useful; although Pulse are inevitably not responsible or in control of the accuracy or nature of the information provided.

http://www.nhs.uk/Conditions/cardiomyopathy/Pages/Introduction.aspx#hypertrophic

https://www.heart.org/idc/groups/heart-public/@wcm/@hcm/documents/downloadable/ucm_312227.pdf

https://www.bhf.org.uk/publications/heart-conditions/m111c-inherited-heart-conditions---hypertrophic-cardiomyopathy

Need help? Call us on: 01280 841430