ANGINA & LIFE INSURANCE ~ UNDERWRITING ISSUES
Angina Insurance & Life Insurance Cover
If you have had a history of Angina, a broker may still be able to help you obtain life cover - although an Angina Attack for Insurance - wether life insurance or health insurance will unlikely be on standard terms. There are some critical factors involved that will determine your ability to obtain coverage & your information is always treated with the utmost privacy by the insurer or broker.
If however you have not had an Angina attack but looking now for comprehensive cover to insure youself in the event of death or earlier critical illness on diagnosis of heart disease - then we can help you with a competitive Critical Illness or Life Insurance Quote
There are several types of Angina
Unstable angina maybe caused by sudden narrowing of a coronary artery & may mean you're at risk of having a heart attack or stroke. There is often no pattern to your symptoms so they may last for 30 minutes or more. Symptoms of unstable angina often come on after only a small amount of effort or even when resting. Discomfort & pain may develop very quickly, be more severe & frequent than with stable angina.
Stable angina is when you get regular or predictable symptoms that you have had for several months. Symptoms of stable angina may develop gradually over time & you may notice a pattern to your symptoms eg only get symptoms when you do physical activity or if under a lot of stress. Symptoms of stable angina that get worse with physical activity often pass within a few minutes of rest.
Angina and heart attacks
If the coronary artery becomes completely blocked, part of the heart muscle may be starved of oxygen so become damaged - This is a heart attack. The pain is usually more severe & lasts longer than that of angina. If you have angina, your usual treatment may not relieve the pain of a heart attack.
Life Insurance - Who is affected by Angina Attacks ?
Angina may usually start with chest pains or tightness when you're under stress or doing some sort of physical activity. In addition to age and sex, there are a number of factors that increase the risk of attacks. These may include:
Family history of heart disease
Raised blood pressure
Angina & Life Insurance Underwriting
In all cases, this will probably include Doctor's and Specialist consultant's reports to ascertain; 1) the severity of the angina attack: 2) when angina attack first/last occurred: 3) What type of angina attack is/was: 4) treatment received: 5) what the current situation is.
What do Uk Life Insurance Companies look for - when Underwriting a History of Angina Attacks ?
It would depend on the type of Angina and its severity as mentioned above. For Life Cover most Uk insurers will view each case on an individual basis before making a decision. However the likely decision for all types of cover maybe a very substantial premium rating or for some a decline. Naturally each individual will have personal circumstances and Uk life insurance companies will want to gather as much information as possible before making an underwriting decision.
History - What happened in the past? How severe is the problem now & how does this affect you day to day?
Medical Records - What do your medical records say about you? Have you developed medical problems as a result of your Angina / Heart Disease ?
Treatment - Angina. What operation was necessary after any ECG - Stents, Angioplasty, Coronary Artery Bypass ?
Family History - Do your parents or brothers or sisters have a history of Angina or Heart Disease also? If so what age did they have it?
For help with Angina health issues why not visit www.angina.org.uk *
( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.)
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