Life Insurance with Cardiomyopathy

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Hi

Does anyone have any expereince of getting life insurance when they have been diagnsed with Cardiomyopathy?

I'm struggling, i'm not on any medication anmd show no symptoms.

Thansk

[Happyrosie]

I used to be a life assurance underwriter.

Depending on the type of policy you are after, it might be possible to get life assurance depending on your family and medical history, occupation age etc.

your best route is to consult a broker.

[Pouchielou1972]

I got life insurance with Smart Life insurance with no issues despite my HF and being on meds. It was quick and simple over the phone with no medical and I am over 50.

[Deejay62]

I have dilated cardiomyopathy and severe heart failure. I got life insurance through a broker with onefamily. It’s not for much. It was an over 50 cover. I was 60. To be honest if I died in an accident in the first 2 yrs they would have paid out 4 times more money. After 2 yrs my cover started if I die naturally.

[Lezzers]

Can I just point out that the over 50's policies are not really life insurance, they're really more funeral plans. However, depending on the policy, you dont always have to use the payout to pay for your funeral. Depending on how long you live, you could end up paying more into the plan than you'll get out & unless the value of the plan increases in line with inflation they may not totally cover funeral costs, a £3-4000 plan taken out today may not fully cover costs in 5-6 years time. I'm not saying they're a bad thing, just be aware that they're not life insurance.

I would do as @happyrosie suggests and consult a broker, preferably one that has access to Lloyds.

[Happyrosie]

I replied earlier but I did mean to add:

In my day the individual life assurer might not take the risk itself but would pass it to their reassurers to see which of them could come up with a rate. Or they might spread the risk over several reassurers. If this is still the case, then anyone recommending a life assurance company wouldn’t be especially helpful in my view.

As has been said, the over-50 plans without medical are not really life assurance in its normal form and unless such a plan is really attractive to you I would counsel you to avoid.

[MichaelJH Heart Star in reply to Happyrosie]

Well many are advertised by aging minor celebrities who have zero need of them as they could afford the full works with black horses, and a silk and velvet lined mahogany coffin followed by a buffet fit for a King. Moi cynical, mais oui!

[MichaelJH Heart Star]

Give these people a try:-

saveonlife.co.uk/Declined-L...