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Heart Disease Life Insurance

 

We specialise in helping people who have a heart disease to find life insurance. We can also help you with your other insurance needs, such as income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your heart disease, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you life insurance if you have a heart disease, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are specialists in finding life insurance for people who have a heart disease, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients:

“From first point of contact with Life Insurance Help, I was reassured and felt I was in good hands. They kept me up to date on the progress of my application at very stage, and were exceptionally prompt in replying to any query I had. Due to my circumstances it was a long process, but thanks to them, my cover is in place and my mind at rest. Thank you so much.”

“Life Insurance Help have been extremely helpful from day one of our initial contact. Showed extreme professionalism through their dealings with us.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.

 

Heart Disease Support

Besides helping obtain Life Insurance for heart disease sufferers, we want to provide our customers with as much help as possible in dealing with their pre-existing condition.

The two sections below, Useful Links and About the Condition, aim to do just this.

We hope you find the information on this page useful, if you have any other information that you feel would be of benefit to other sufferers, please let us know.

Heart Disease : Useful links

Support groups and useful information for people who have a heart disease.
 
British Heart Foundation
British Cardiac Patients Association
Heart UK
Arrhythmia Alliance
Hearts 2 Hearts
Congenital Heart Patients Association
Cardiomyopathy Association
 
 
 
 

Heart Disease : About the Condition

The heart is a hollow muscle that is about the size of an adult fist, and is found to the left of the breastbone. The heart is the most important organ in our body, as it is a complex pump, responsible for circulating blood, oxygen and nutrients around the body. It pumps blood around your body and beats approximately 70 times a minute.

The heart gets its own supply of blood from a network of blood vessels on the surface of your heart, called coronary arteries. There are many forms of heart disease.

Coronary heart disease is the term that describes what happens when your heart's blood supply is blocked or interrupted by a build-up of fatty substances in the coronary arteries.

Angina is a type of heart disease that affects about one in 50 people. Pain is felt in the middle of the chest, sometimes radiating down one or both arms and up into the neck or jaw. Described as a heaviness or pressure type of discomfort, it's most often felt during exertion, stress and in cold weather. Over time, the walls of the arteries can become furred up with fatty deposits, and if the coronary arteries become narrow, the blood supply to your heart will be restricted. This can cause angina (chest pains). If the coronary artery becomes completely blocked, this can cause a heart attack, also known as myocardial infarction.

Arrhythmia or irregular heart beats are also known as heart palpitations, and they are any abnormal rhythm of the heartbeat. The heart contains a natural pacemaker that triggers electrical impulses to spread over the heart, causing it to contract (the heart beat).

Cardiomyopathy means a disease of the heart muscle, rather than the blood supply or the pacemaker. There are four main types of this type of heart disease:

  • hypertrophic cardiomyopathy (MCM) where the heart muscle thickens (high blood pressure can cause this)
  • dilated cardiomyopathy (DCM) when the heart muscle dilates (becomes large) and weakens
  • restrictive cardiomyopathy (RCM) when chambers in the heart stiffen and restrict blood flow through the heart
  • arrhythmogenic cardiomyopathy (ARVC) when fatty tissue replaces muscle in the heart and affects the electrical impulses that regulate heart beat.

Congenital heart disease is a heart abnormality that has been present from birth. Examples include failure to form the normal heart structure or holes between the chambers of the heart. Almost one in every 150 babies born in the UK has some form of congenital heart disease, ranging from the minor to fatal.

Heart valve problems - The heart is divided into four chambers, known as the right and left atrium, and the right and left ventricles. Each of these chambers has valves that prevent blood flowing backwards into the chamber it has just come from, and ensuring that blood moves forward through the heart. With this type of heart disease, the diseased heart valves that are damaged and do not open and close properly can allow blood to leak backwards or obstruct the flow of blood.

One of the underlying causes of coronary heart disease is a build-up of fatty deposits in the arteries, and these fatty deposits can rupture or split, interfering with the normal flow of blood. This causes a blood clot to form, and this clot can quickly grow, blocking one of the carotid arteries and drastically reducing the supply of blood to the heart, triggering the symptoms of unstable angina.

The key risk factors which can cause the carotid arteries to narrow are high-fat diets and cholesterol, a lack of exercise, a poor diet, and excess alcohol, smoking, high blood pressure (hypertension), diabetes, age, and family history.

If you smoke, it can damage the walls of your arteries, and blood cells (platelets) will form at the site of the damage in an attempt to repair it. This can cause your arteries to narrow. Smoking can also reduce your blood's ability to carry oxygen around your body, which increases the chances of a blood clot occurring.

If you have high blood pressure (hypertension) it will damage your arteries in the same way as cigarette smoke. Your arteries are designed to pump blood at a certain pressure. If that pressure is exceeded, the walls of the arteries will be damaged.

If you have diabetes that is poorly controlled, the excess amount of glucose in your blood can damage your artery walls. In addition, a person’s arteries tend to get narrower over time. Therefore, the older you are, the more likely it is that your arteries will have narrowed, increasing your risk of developing angina.

Coronary heart disease cannot be cured, but recent progress has meant that heart disease can now be managed more effectively. With the right treatment, the symptoms of coronary heart disease can be reduced and the functioning of the heart improved. 

Many different medicines are used to treat coronary heart disease. Some of the medicines that are commonly used to treat heart conditions are outlined below. 

  • Low-dose aspirin and 'clot-busting' medication are used for heart disease sufferers because blood clots in the coronary arteries are a major cause of heart attacks. A low-dose aspirin and/or a clot-busting medicine may be prescribed for you by your doctor, and this type of medicine will help prevent your blood clotting, reducing your risk of heart attack and angina.  
  • Anticoagulants such as warfarin are sometimes used for heart disease sufferers to stop the blood clotting. However, they can cause bleeding, or increase bleeding from cuts or during menstruation (a woman's period).
  • Statins - A high level of 'bad cholesterol' (LDL) in your blood can cause a build-up of atheroma (fatty deposits) in your arteries, increasing your risk of heart disease. If you have a high blood cholesterol level, cholesterol-lowering medicine called statins may be prescribed. They work by blocking the formation of cholesterol and increasing the number of LDL ‘receptors’ in the liver, which help to remove the LDL cholesterol from your blood. This helps to slow the progression of coronary heart disease, and will make having a heart attack less likely.  
  • Beta blockers are often used for heart disease sufferers to prevent angina and treat high blood pressure. They work by blocking the effects of stress hormones, which make your heart beat faster and harder. This slows down your heartbeat, improves blood flow and helps your heart to pump more effectively. Beta blockers are usually taken in small doses alongside ACE inhibitors and diuretics (medicine that helps your body get rid of extra fluid). However, beta blockers are not suitable if you have respiratory problems, such as asthma, or diabetes.  
  • ACE (angiotensin-converting enzyme) inhibitors are commonly used to treat heart failure and high blood pressure. They block the activity of a hormone called angiotensin II, which narrows blood vessels. As well as stopping the heart working so hard, ACE inhibitors improve the flow of blood around the body.  
  • Angiotensin II receptor antagonists work in a similar way to ACE inhibitors, and are sometimes prescribed for heart disease patients. They are used to lower your blood pressure by limiting angiotensin II. Angiotensin II receptor antagonists have fewer side effects than ACE inhibitors, and are often prescribed as an alternative.
  • Anti-arrhythmic medicine is sometimes used to control the rhythm of your heart, if arrhythmia or heart palpitations are the heart disease that you are suffering from.
  • Nitrates are used to widen your blood vessels. Doctors sometimes refer to nitrates as vasodilators. They are available in a variety of forms, including tablets, sprays, skin patches and ointments. They work by relaxing your blood vessels, letting more blood pass through them. This lowers your blood pressure and relieves any heart pain that you have.
  • Cardiac glycosides, such as digoxin, strengthen and slow the heartbeat. By making the heart muscles contract (squeeze together) more strongly, blood is pushed around the body with more force.

However if your heart disease is due to very narrow blood vessels because of a build up of atheroma (fatty deposits), or if your symptoms cannot be controlled using medication, surgery may be needed to open up or replace the blocked arteries. Some of the main surgical procedures that can be used to treat blocked arteries are outlined below. 

  • Coronary angioplasty is sometimes used to treat mild coronary heart disease. An angioplasty opens up a blocked or narrowed coronary artery, improving the blood flow to the heart.
  • A coronary artery bypass is a procedure that allows the blood flowing through the coronary artery to bypass (get round) the part of the artery that is blocked.
  • Heart transplant - In a small number of cases, when the heart disease means that the heart is severely damaged and medicine is not effective, or when the heart becomes less efficient at pumping blood around the body (heart failure), a heart transplant may be needed. A heart transplant involves replacing a heart that is damaged or is not working properly with a healthy donor heart.  
  • Laser surgery is a technique that creates channels in the heart to allow blood to flow more easily. Using a catheter (thin wire) with a laser attached, the surgeon makes lots of tiny holes in your heart muscle. The holes encourage new blood vessels to grow in the diseased heart muscle. This procedure is sometimes carried out on its own, or in conjunction with coronary bypass surgery.  

 

About Life Insurance for Heart Disease Sufferers

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.
 
     
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Platinum Financial Consulting, The Old School House, East End Road, Bradwell-on-Sea, Essex, CM0 7PY

Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email : help@platinumifa.co.uk

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