We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Life insurance after heart attack?
fjb_2k8
Posts: 1 Newbie
Hi all.
My father suffered a heart attack last saturday, fortunately this was caught and treated early with angioplasty, and a stent fitted to the affected artery. The doctors were delighted with his recovery (he was back home within 48 hours) and only 1 artery was effected, the other's are fine, doctors say his heart may return to full 100% functionality within 6 weeks. My father is 46 and until before the heart attack was a smoker, needless to say he has now quit. He drinks very rarely (1-2 units per week at the very most) and is within the reccomended weight for his height.
What is the best option regarding taking out a new life insurance policy in a situation like this? Does anybody know of any companies that specialize in such areas? My father already has a life insurance policy, and was going to be taking out more cover even before this happened, it just came at an unfortunate time.
Thanks in advance, all help is appreciated.
Fraser.
My father suffered a heart attack last saturday, fortunately this was caught and treated early with angioplasty, and a stent fitted to the affected artery. The doctors were delighted with his recovery (he was back home within 48 hours) and only 1 artery was effected, the other's are fine, doctors say his heart may return to full 100% functionality within 6 weeks. My father is 46 and until before the heart attack was a smoker, needless to say he has now quit. He drinks very rarely (1-2 units per week at the very most) and is within the reccomended weight for his height.
What is the best option regarding taking out a new life insurance policy in a situation like this? Does anybody know of any companies that specialize in such areas? My father already has a life insurance policy, and was going to be taking out more cover even before this happened, it just came at an unfortunate time.
Thanks in advance, all help is appreciated.
Fraser.
0
Comments
-
hi, first of all dont cancel the existing policy. Speak with an ifa, i know AIG and Friend provident may the best to approach but giving it has not long happened, they will prob need to wait a year, before they will insure.0
-
See an IFA. There are specialist companies that will cover high risk individuals like your father. However, he should expect a premium that reflects his high risk.
His existing life policy may have guarnateed insurability options on it which he may be able to activate.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.2K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.9K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards