Cardiovascular issues or diseases are terms for a range of conditions which affect the heart or blood vessels. Arranging life insurance for someone with a history of a serious cardiovascular issue such as a heart attack, angina or a stroke is usually possible with some insurers. There will almost certainly be an increase from the quoted premium but it is important to find the most appropriate insurer for you individual circumstances.
In some circumstances, insurers will not offer any cover at all. An example of when this could happen is for someone who has had multiple heart attacks within the past few years. A decline of cover would also take place if someone has a combination of conditions such as angina or stroke and diabetes.
What is Cardiovascular Disease?
There are 4 main types of cardiovascular disease:
- Coronary artery disease such as heart attack, angina and heart failure.
- Strokes and Transient Ischaemic Attacks (TIA) where the flow of blood to the brain is cut off. This can lead to damage to the brain or result in death.
- Peripheral Artery Disease is when blockages occur in the arteries to one of the limbs.
- Aortic Diseases are a range of conditions affecting the Aorta, which is the largest blood vessel in the body which carried blood from the heart to the rest of the body.
All of these conditions are generally connected to the build-up of fatty deposits in the arteries. They can in a majority of cases be prevented through healthy lifestyle choices.