Left Bundle Branch Block & Life Insurance
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We understand that living with left bundle branch block may be something that causes you concern and we will do our best to put your mind at ease when arranging life insurance.
Yes, you have a heart condition, but that doesn’t mean that your need for insurance is different to anyone else.
Things we need to know:
- When were you diagnosed with left bundle branch block?
- What medication do you take for this?
- Do you have a pacemaker?
- Is the LBBB linked to any other heart conditions?
When you apply for life insurance, left bundle branch block and any associated heart disease need to be declared on your insurance application, with most insurers.
Where left bundle branch block is present, is classed “incomplete” and there are no major contributory heart conditions, some insurance providers may be able to offer you standard terms for your life insurance.
Where the left bundle branch block is “complete” and there is no significant heart disease then you might still be able to secure life insurance at normal premiums.
Where there is associated heart disease with left bundle branch block, it is possible that your life insurance policy will be accepted at non-standard terms (a premium loading). We can place your application with the correct insurance provider for you to ensure that you get the best terms available for your life insurance.
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.
Similarly to life insurance, critical illness cover for people with left bundle branch block and no major heart disease could be available at standard terms; where the block is classed as incomplete.
When a complete block is present, whether there is associated heart conditions or not, the critical illness application may be subject to special terms. This is likely to be an exclusion on the claims set for heart related conditions.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for people with an incomplete left bundle branch block and no significant heart disease may be available at standard terms with specific insurance providers.
If the left bundle branch block is classed as complete the policy may be subject to non-standard terms, regardless of whether any heart disease is present. This will likely be in the form of a premium increase and/or exclusion for heart related claims.
If you find that the terms provided for income protection do not meet your expectations then it is worthwhile considering accident, sickness and unemployment cover. An accident, sickness and unemployment policy will provide you with 12-24 months of income replacement should you be unable to work due to disability, significant injury or involuntary redundancy.
These policies do not take your medical history into account during the application process, but any pre-existing medical conditions will be excluded from the policy claims set.
What is Left Bundle Branch Block?
Left bundle branch block occurs when the electrical pathways within the heart ventricular system are slower than normal. The condition can be present as either complete or incomplete and is often caused by underlying heart disease. Left bundle branch block can also be caused by congenital conditions and as a side effect of some types of medication.
Also known as: LBBB
Linked with: Coronary heart disease, cardiomyopathy, left ventricular hypertrophy, high blood pressure, aortic stenosis, sarcoidosis, rheumatoid arthritis, systemic lupus erythematosus, coronary artery disease, Lyme disease
Some potential problems experienced by individuals who have left bundle branch block include:
- Slow heart rhythm
- Breathlessness when exercising
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Hi, thank you for coming to us for support. When it comes to medicals, that really depends upon the type of insurance that you want, how much insurance you are applying for and how much detail there is on your recent medical history.
A big factor is which insurer you apply to. It’s important, way before you find out if you need a medical, to find the right insurer for you. It may be that most insurers want you to have a medical, but the main thing is finding out what terms of insurance might be on offer once the medical is done, before you apply.
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