Life Insurance with Heart Disease & High Blood Pressure

Protecting Your Family, Even with Pre-Existing Conditions

Living with heart disease or high blood pressure doesn’t mean you can’t access life insurance. At Covermate Life, we help Australians with pre-existing health conditions find life insurance options tailored to their circumstances. Whether you’ve been recently diagnosed or managing your condition for years, our goal is to connect you with insurers who understand your needs.

Can I Get Life Insurance with Heart Disease or High Blood Pressure?

Yes – but your policy and premiums may depend on:

Type of condition – such as high blood pressure, arrhythmia, angina, or a past heart attack.
Treatment and management – including medication, surgery, or lifestyle adjustments.
Medical history – how long you’ve had the condition and whether it’s stable.
Other risk factors – age, weight, cholesterol, smoking history, and family health background.

Many insurers will request medical reports or blood pressure readings. In some cases, you may be offered cover with a loading (extra premium) or exclusions related to heart conditions.

Why Work with a Specialist Life Insurance Broker?

Applying on your own can be challenging, especially if you’ve had an application declined in the past. As a life insurance broker, Covermate Life:

Works with multiple insurers to find the best fit.
Understands which insurers are more flexible with heart conditions.
Helps you present your medical history clearly to avoid unnecessary declines.
Provides general advice only – ensuring you have the information needed to compare your options.

Types of Life Insurance Available

Even with heart disease or high blood pressure, you may be eligible for:

Life Cover (Death Cover) – pays a lump sum to your beneficiaries if you pass away.
TPD Insurance – provides a payout if you become totally and permanently disabled.
Income Protection – covers part of your income if you can’t work due to illness or injury.
Trauma Insurance – pays a lump sum on diagnosis of major health events (some policies may exclude existing heart conditions).

What Insurers Look For

When applying, insurers may ask about:

Your blood pressure readings and whether they’re controlled.
Any history of heart attack, stroke, or surgery.
Use of medication and its effectiveness.
Regular check-ups with your GP or cardiologist.
Lifestyle factors such as diet, exercise, alcohol intake, and smoking.

Tips for Applying with Heart Disease or High Blood Pressure

Be upfront – disclose your full medical history to avoid claims issues later.
Have recent medical records ready – this speeds up the process.
Shop around – different insurers take different views on risk.
Consider exclusions or loadings – sometimes a slightly higher premium is worth the peace of mind.
Use a broker – we can guide you through the application and improve your chances of approval.

Why Choose Covermate Life?

Access to multiple leading insurers across Australia.
Specialists in helping people with pre-existing conditions.
Clear guidance and support throughout the application.
General advice only – we provide options, you stay in control.

Get Started Today

Finding life insurance with heart disease or high blood pressure can feel overwhelming – but you don’t have to do it alone. At Covermate Life, we’ll help you compare your options and find cover that works for you and your family.

Call us today or request a quote online to get started.

FAQs

1. Will I pay more for life insurance with heart disease or high blood pressure?
In many cases, yes. Insurers may charge a higher premium (called a loading) to account for increased risk.

2. Can my application be declined?
It’s possible, especially if the condition is recent, severe, or poorly managed. That’s why working with a broker increases your chances of finding an insurer who will accept your application.

3. Do I need a medical exam?
Often, yes. Most insurers will ask for a medical exam, GP report, or recent test results.

4. Can I still get cover if I’ve had a heart attack or bypass surgery?
Yes, but your options may be more limited, and terms will depend on how long ago the event occurred and how well your health is managed.

5. Is high blood pressure always a problem?
Not necessarily. If your blood pressure is well-controlled with medication, many insurers will still consider you for cover.

General Advice Disclaimer: The information on this page is general only and does not take into account your personal circumstances. You should consider whether the product is appropriate for you and read the relevant Product Disclosure Statement (PDS) before making a decision.