Angina & Life Insurance
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Having angina can make it unnecessarily difficult for you to get life insurance and we’ve made it our business to help and simplify the process. Yes, having angina means that your heart is working a bit harder than “normal”, but that doesn’t mean that your needs are any different to anyone elses.
Here are a few things that we need to know about your health:
- When were you diagnosed with angina?
- What treatment or medication do you take?
- Have you had, or do you have any surgeries planned?
- How does it affect your day to day living?
For people living with angina life insurance can be available. Insurers that are able to offer cover, will usually do so on special terms. This usually means higher premiums. It is sometimes possible to access life insurance at standard terms, but it is a good idea to prepare for some form of a premium increase. This does not mean that you are going to paying silly amounts of money.
What the insurer will want to know is the frequency of your symptoms, your BMI and any other related conditions such as high blood pressure and cholesterol. In some cases, the application may need to be placed with a specialist insurer. It is likely that the insurance provider will ask for a report from your GP regarding your present state of health and how the angina impacts upon you.
For all of our customers living with angina we will get you the best, most suitable life insurance policy, offering financial peace of mind. And just as importantly, we take the hassle out of it for you.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
As with life insurance, critical illness cover can be available for people suffering from angina, but through specialist insurers. We will find the best policy that is most relevant for you, and our insurance advisers will help you through the application process, and provide any help that you need.
It is important to be careful over the terms and conditions when you are apply for critical illness cover. One of the main three reasons for claims on critical illness cover is a heart attack. With you already having a heart condition, insurers will be cautious over the type of policy they will offer you.
There are options available to you but with this in mind, we do suggest that you speak with an adviser like us, that is experienced in arranging insurance for people with angina.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
As with other types of policy, income protection applications will need to detail the frequency at which you experience symptoms, the medication you use, when you were diagnosed and how well your condition is controlled.
The insurer will want to know how much time, if any, you’ve taken off work as the result of the condition. At the moment any policies on offer will come at an increased premium or have exclusions regarding pre-existing conditions.
If you do find that the terms for Income Protection simply don’t suit you, then Accident, Sickness and Unemployment Cover might be more suitable. This sort of policy will provide you with a monthly income replacement of 12 to 24 months if you find yourself unable to work due to long term injury, disability or voluntary redundancy.
Unlike Income Protection Cover applications, there is no medical underwriting required. In other words, the fact that you have angina won’t have any influence on the terms you are offered. That does make the application process simpler, but you should also be aware than that you won’t be able to make a claim relating to pre-existing medical conditions on the policy – so if you can’t work as a result of your Angina, this isn’t going to be covered on the policy.
What is Angina?
Typically angina occurs when the blood flow to the heart becomes restricted due to a narrowing of the arteries (atherosclerosis). In the case of stable angina a flare up may occur due to a trigger activity such as exercise, at which point the hardened arteries to the heart, struggle to cope with the increased blood flow caused by physical exertion. Stable angina will usually settle after a few minutes of rest. Unstable angina is generally treated as a medical emergency as the symptoms quickly onset with no direct cause.
Also: Stable angina, unstable angina, variant angina (coronary artery spasm/Prinzmetal’s angina), cardiac syndrome X (microvascular angina).
Some potential problems experienced by individuals who have angina include:
- Cold weather
- Dietary restrictions
- Pain in the arms, neck, stomach and jaw
- Potential driving restrictions
- Potential flying restrictions
- Specific exercise regimes
- Acebutolo Hydrochloride (Sectral)
- Amlodipine (Istin)
- Angiotensin-converting enzyme (ACE) inhibitors
- Atenolol/Nifedipine (Beta-Adalat)
- Bisoprolol Fumarate (Cardicor, Emcor)
- Calcium channel blockers
- Cognitive behavioural therapy (CBT)
- Coronary angiography
- Coronary artery bypass graft (CABG)
- Diltiazem Hydrochloride (Adizem, Angitil, Bi-Carzem, Calcicard, Dilcardia, Dilzem, Horizem, Kenzem, Retalzem, Slozem, Tildiem, Viazem, Zemtard)
- Electrocardiogram (ECG)
- Enhanced external counterpulsation (EECP)
- Exercise tolerance test (ETT)
- Felodipine (Cabren, Cardioplen, Felendil, Felogen, Felotens, Neofel, Parmid, Pinefeld)
- Felodipine/Ramipril (Triapin)
- Glyceryl Trinitrate (Transiderm-Nitro, Vascalpha)
- Isosorbide Dinitrate (Xismox)
- Isosorbide Mononitrate (Chemydur, Cibral, Isoket, Monomil, Monosorb)
- Long-acting nitrates
- Low-dose aspirin
- Myocardial perfusion scintigraphy (MPS)
- Nadolol (Corgard)
- Nicardipine Hydrochloride (Cardene)
- Nicorandil (Ikorel)
- Nifedipine (Adalat, Adipine, Calchan, Coracten, Fortipine, Hypolar, Kentipine, Nifopress, Tensipine)
- Oxprenolo Hydrochloride (Trasicor)
- Percutaneous coronary intervention (PCI), coronary angioplasty
- Pindolol (Visken)
- Procoralan (Ivabradine)
- Propranolol Hydrochloride (Bedranol, Beta-Prograne, Inderal, Syprol)
- Ranolazine (Ranexa)
- Timolol Maleate (Betim)
- Transcutaneous electronic nerve stimulation (TENS)
- Verapamil Hydrochloride (Cordilox, Securon, Univer, Vera-Til, Vertab, Zolvera
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).
It’s great news that your condition is better controlled thanks to lifestyle changes. However, it is still really rare for an insurance provider to offer standard terms to someone with angina.
Nonetheless, most will offer special terms and if your condition has improved, this will stand in your favour generally. We have had people come to us for help, because they have been declined life insurance due to their health. Please do not be concerned if this is the case for you, we are specialists at finding insurance for people that have previously been refused cover.
Whether or not you are successful in an income protection application as someone with angina depends very much on the severity of the condition and how it has historically impacted your ability to work.
If you are offered a policy, it is likely that personal insurance policies will exclude claims related to the angina. There are income protection policies that may be available through your employer (or your own Limited company if you have one) that could provide some level of cover that would include claims relating to the angina.
The Special Risks Bureau has been rated 5 out of 5 based on 453 reviews.
Review by Malcolm on 9th November 2018
“Fantastic service from start to finish. I now have Life Insurance in place for my wife and I.” - 5
You can read more of our reviews here.
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