Heart condition cover
Heart condition
life insurance, done properly.
Whether it's high blood pressure, an arrhythmia, a past heart attack or a stent — a heart history doesn't automatically mean no cover. YPS specialists handle these applications every week.
“A heart history isn't the end of the story. The right insurer often prices fairly a couple of years post-event.”
— A YPS specialist
What insurers look at
The factors that shape your quote.
- Exact diagnosis (angina, AF, heart attack, bypass, etc.)
- When it happened and treatment received
- Latest blood pressure, cholesterol and echo results
- Any current medication and consultant reviews
- Lifestyle factors — smoking, BMI, activity
- Family history of cardiovascular disease
Why YPS after a heart event?
Cardiac underwriting varies enormously between insurers. The right one might quote you standard rates two years post-event; the wrong one won't even accept your application. We know the difference.
- •Life Insurance and Whole of Life options
- •Enhanced-terms policies where standard rates aren't available
- •Sensible advice on when to apply (or wait)
- •Support gathering GP and consultant reports
