Heart Conditions Life Insurance

Life insurance after a
heart condition diagnosis

From high cholesterol to a previous heart attack, insurers assess heart conditions individually — recovery and lifestyle matter.

FSCA-Authorised Advisers | Whole-of-Market Access

Explore Your Options

Whatever you need to protect, we'll help you compare the right cover.

A one-off tax-free lump-sum payment for your loved ones in the event of your death.

A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.

Monthly tax-free payments if you are unable to work due to long-term sickness or injury.

Step 1

Share details of your condition, any procedures, and current medication.

Step 2

Your adviser knows which insurers assess heart conditions most fairly.

Step 3

Insurers look at recent test results and how well you have recovered.

Step 4

Get a quote that reflects your current health, not just your diagnosis.

From high cholesterol and arrhythmia to a previous heart attack or bypass surgery.

Positive lifestyle changes can help improve the terms you are offered.

Work with insurers who understand how to assess cardiac risk fairly.

Some policies allow a review if your heart health improves over time.

What heart conditions can be covered?

A wide range, including high cholesterol, high blood pressure, arrhythmia, angina, a previous heart attack, or bypass surgery.

How soon after a heart attack can I apply?

This varies by insurer and severity, but many will consider applications from around 6-12 months after the event, sometimes sooner.

Will lifestyle changes help my application?

Yes, improvements like quitting smoking, losing weight, or better cholesterol control are often viewed favourably.

What tests might insurers ask for?

Common requests include recent ECG results, cholesterol levels, blood pressure readings, and cardiologist reports.