Tetralogy of Fallot & Life Insurance

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Tetralogy of Fallot & Life InsuranceWe understand that receiving a diagnosis of Tetralogy of Fallot can be a worrying time. Often diagnosed in babies, this condition is serious and typically results in corrective surgery whilst young.

Our advisers are on hand to help find the best insurer to offer you life insurance.

  • When were you diagnosed with Tetralogy of Fallot?
  • When did you have surgery to correct this?
  • What treatment or medication do you use?
  • Do you experience any ongoing complications?
  • Do you experience fatigue?

Life insurance for people who have been diagnosed with Tetralogy of Fallot will be dependent upon whether total corrective heart surgery has been performed and if there is any resultant heart enlargement.

Where surgery has been conducted and the heart is considered to be quite ‘normal’ it is possible that some insurers may accept your application for life insurance at non-standard terms. This usually means that the insurer will increase your premiums above the basic pricing for the life insurance.

If surgery has not been performed or there is evidence of heart enlargement it is quite likely that the insurer will increase the premiums more. You might even find that some insurers decline your application for life insurance. This is where our years of experience really stand out in getting you the cover that you need.

Our advisers have access to many insurers on the standard and specialist market, so we can find an insurer that is going to suit your needs.

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.

Critical illness cover for people living with Fallots Tetralogy may be available if total corrective surgery has been performed, and you have no lasting symptoms. It will be essential to pick an insurer that can specifically support your application, our advisers will research the insurance market to find the right one for you.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for people that have been diagnosed with Tetralogy of Fallot may be available with a number of select providers. This will be highly dependent upon whether total corrective surgery has been successfully completed.

Where income protection is available it will almost certainly be offered at non-standard terms. This is most likely to be an increase to the policy premiums.


If you are declined Income Protection cover or find that the policy terms on offer are not to your liking it is worthwhile considering Accident, Sickness and Unemployment Cover. Accident, Sickness and Unemployment Cover provides short-term income replacement in the event that you are unable to work due to disability, injury or involuntary redundancy. The cover is not medically underwritten at the point of application which means that your policy can be accepted without consideration of your medical history.

Whilst this is the case you must be prepared that should you place a claim on the policy existing conditions are often excluded from acceptable claims. This means that should you be unable to work due to complications arising from the Fallots Tetralogy then your claim will not be approved.


When you go on holiday it is a good idea to make sure that your insurances are right for you and your health. To find out more, please visit our travel page here.

What is Tetralogy of Fallot?

Tetralogy of Fallot is a congenital heart condition that is diagnosed when there has been structural and functional problems since birth. There are four structural abnormalities associated with Tetralogy of Fallot: pulmonary stenosis, ventricular septal defect, over-riding aorta and thick right ventricle.

The condition leads to there not being enough oxygen in the blood. Surgery is done at a young age to correct the heart structure. 

Also Known as: Fallot’s tetralogy

Linked with: Pulmonary stenosis, ventricular septal defect (VSD), over-riding aorta, hypertrophy, heart murmur, abnormal heart rhythm, 22q11 deletion, Down’s Syndrome, infective endocarditis

Some potential problems experienced by individuals who have tetralogy of fallot include:
  • Hypercyanotic attacks (spells)
  • Blue colour to skin
  • Loss of consciousness 
  • Fertility considerations
  • Regular specialist check-ups
  • Open heart surgery
  • Shunt opeation
  • Valvoplasty

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).

Common Questions

I’m sorry that you were declined life insurance recently. There are no rules to say that you have to wait any amount of time to try applying for life insurance with a different insurer.

One of our advisers will be in touch to help you find the right insurer for you. If you can have any details to hand from the previous insurer that explain why they declined your life insurance application, that can help us to determine the best routes for you going forward.

Client Reviews

Cura Financial Services has been rated 4.9 out of 5 based on 585 reviews.

Review by Gareth on 31st May 2022

Very good service and advice given. - 5 

You can read more of our reviews here.

Tetralogy of Fallot & Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Tetralogy of Fallot & Life Insurance

Client Reviews

Tetralogy of Fallot & Life Insurance

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