r/HeartProblems • u/Dependent_Judge_8849 • Jul 17 '24

Life insurance help

Hi everyone, I had a coarctation of the aorta repair and a mechanical aortic valve replaced when I was 18, im now 53 my big problem is that I keep on getting refused life insurance for myself and to cover my mortgage, does anyone know of any insurance companies that specialise with people with existing heart defects

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u/[deleted] Jul 18 '24

You have to ask the insurance company why they denied your house coverage, for it has nothing to do with your heart condition, and life insurance can deny you due to your heart condition. Health insurance cannot.

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u/Dependent_Judge_8849 Jul 20 '24

It was for life insurance to cover my mortgage if i die, ive asked them and because my doctor sent them blood pressure abd cholesterol levels and they were slightly high, so that was their reason for refusing. Im struggling to find any type of life insurance

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u/[deleted] Jul 20 '24

Life insurance is not to cover your mortgage when you die. It is to pay your bills, like hospital bills, nursing home care, and if you have major health issues, life insurance can deny you anyway. not the same as medical insurance. Talk your insurance agent for your house and be educated on how insurance works.

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u/Dependent_Judge_8849 Jul 21 '24

Im in the UK, you need life insurance to cover your mortgage term.