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Angina Life Insurance

You may have found it difficult to secure life insurance with Angina Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

Get a Quote
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What Is Angina Life Insurance?

The Insurance Surgery is a leading insurance specialist for pre-existing medical conditions. Life Insurance for people with Angina will usually require some additional underwriting and requirements for medical information. In this section we look at how the application process works and what impact having Angina will make on your life insurance premiums.

People who suffer from Angina looking for Life Insurance will generally find that some sort of medical evidence will be required to support their application, such as a GP Report or a medical. Angina life insurance will always be subject to further underwriting which will look at:

Your age

Age at diagnosis

Frequency of any symptoms

Medication / Treatment

BMI (height / weight)

Related conditions (e.g. Raised blood pressure, high Cholesterol and Diabetes)

In most cases for Angina life insurance there will be some kind of premium loading applied which can vary depending on the severity and control of your condition. In some cases where the Angina is more severe and symptoms are more acute then we may need to approach more specialist life insurance providers.

How Angina Life Insurance works:

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

In almost all Angina Life Insurance applications, underwriters will write out to a doctor or GP to gather further medical evidence about your condition. Information required for your application will include:

Age diagnosed

Type of Angina

Height and Weight (BMI)

Symptoms and frequency of attacks

Related conditions (e.g. Blood Pressure / Cholesterol)

Family History

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as Angina. Over the past several years, we have helped thousands of individuals, families and businesses to protect themselves, regardless of their medical history.

Get a Quote

Angina Critical Illness Cover

Currently it is possible but can be difficult to obtain critical illness cover with Angina in limited cases, however this may be via specialist insurance providers. The Insurance Surgery will review your current medical status and advise you on whether Angina critical illness cover is available for you, as well as any policy restrictions that may be applied.

It is always important to review any policy wording and documentation before you accept cover to ensure that it is suitable for you / your requirements.

Angina Income Protection

We have been able to obtain Angina income protection in the past for people with good control and who have no additional complications. Our highly experienced insurance advisers will assess your application for Angina income protection to place your application for cover with the most suitable provider. All applications for Angina income protection will be subject to further underwriting which will almost always require medical evidence from your GP or specialist.

In almost all cases for Angina income protection, there will be a premium loading applied for the additional risk and / or an exclusion for anything relating to your Angina.

Facts about Angina

Angina is a type of pain that is felt in the chest area which can also result in discomfort in the arms, stomach, neck and jaw.

The cause of Angina is where the blood supply the heart is restricted which is also called Coronary Heart Disease.

Angina Statistics (UK):

Angina is more common in men than in women

1 in 12 males between 55 and 64 have Angina

1 in 30 females between 55 and 64 have Angina

160k people die each year from cardiovascular or heart disease

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

Related Conditions

Heart Attack

Stroke

Raised Cholesterol

High Blood Pressure

Diabetes (Type 1 & Type 2)

Mental Health problems (e.g. Anxiety & Depression)

High BMI

Types of Angina

There are 2 main types of Angina which are commonly known as:

Stable Angina: This is usually caused by certain events such as exercise and can be brought under control by taking medication and resting.

Unstable Angina: These attacks are more unpredictable and will be far more random, so difficult to identify any cause. It is also difficult to manage this type of Angina with medication and symptoms / attacks can continue regardless of rest.

High Blood Pressure

Diabetes (Type 1 & Type 2)

Mental Health problems (e.g. Anxiety & Depression)

High BMI

Get a Quote
  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Useful Links​

Our team of expert advisers at The Insurance Surgery has many years’ experience working with people with Angina. We aim to find you the best cover for you, your family or your business with the most competitive premiums.

British Heart Foundation
Heart UK
NHS Choices

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Get a Quote
  • 15 Minute Read Time

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

Read More

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Get a Quote

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

Get a Quote

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Find Out More

Life Insurance for Dads

Find Out More

Life Insurance for Sports & Hobbies​

Find Out More

Life Insurance for Self-Employed

Find Out More

Income Protection

Find Out More

Life Insurance for Smokers

Find Out More

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I get Life Insurance if I have Angina?

It is certainly possible to obtain Life Insurance with a history of Angina, however it will depend on the severity of the condition and any related issues. There will almost certainly be a ‘loading’ to your life insurance premiums which will also depend on the severity of the condition and any related problems.

It is possible that certain insurance providers may decline life insurance cover for you because of your Angina, however underwriting will vary from one provider to another. The Insurance Surgery is a leading life insurance specialist for people with medical conditions such as Angina and therefore we know which insurers may be sympathetic to your circumstances.

The cost of cover will depend on the standard criteria such as your age, smoker status, amount of cover and term. It will also potentially include a loading which is also dependant on your condition, lifestyle and the severity / frequency of your symptoms. Our expert advisers have years of experience and we aim to find the best cover for you and at the most competitive price.

If you obtained life insurance before you were diagnosed with Angina or any other medical condition, it may well be worth keeping that policy and either looking at a top up policy or simply sticking as you are. Our advice is free so we’ll be able to tell you what the best options are for you and your family without costing you anything.

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Angina Life Insurance

The Insurance Surgery is a leading insurance specialist for pre-existing medical conditions. Life Insurance for people with Angina will usually require some additional underwriting and requirements for medical information. In this section we look at how the application process works and what impact having Angina will make on your life insurance premiums.

Find Out More
Get a Quote

How Angina Life Insurance works:

In almost all Angina Life Insurance applications, underwriters will write out to a doctor or GP to gather further medical evidence about your condition. Information required for your application will include:

  • Age diagnosed

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as Angina. Over the past several years, we have helped thousands of individuals, families and businesses to protect themselves, regardless of their medical history.

Get a Quote

Life Insurance with Angina

People who suffer from Angina looking for Life Insurance will generally find that some sort of medical evidence will be required to support their application, such as a GP Report or a medical. Angina life insurance will always be subject to further underwriting which will look at:

Your age

Age at diagnosis

Frequency of any symptoms

Medication / Treatment

BMI (height / weight)

Related conditions (e.g. Raised blood pressure, high Cholesterol and Diabetes)

In most cases for Angina life insurance there will be some kind of premium loading applied which can vary depending on the severity and control of your condition. In some cases where the Angina is more severe and symptoms are more acute then we may need to approach more specialist life insurance providers.

Angina Critical Illness Cover

Currently it is possible but can be difficult to obtain critical illness cover with Angina in limited cases, however this may be via specialist insurance providers. The Insurance Surgery will review your current medical status and advise you on whether Angina critical illness cover is available for you, as well as any policy restrictions that may be applied.

It is always important to review any policy wording and documentation before you accept cover to ensure that it is suitable for you / your requirements.

Angina Income Protection

We have been able to obtain Angina income protection in the past for people with good control and who have no additional complications. Our highly experienced insurance advisers will assess your application for Angina income protection to place your application for cover with the most suitable provider. All applications for Angina income protection will be subject to further underwriting which will almost always require medical evidence from your GP or specialist.

In almost all cases for Angina income protection, there will be a premium loading applied for the additional risk and / or an exclusion for anything relating to your Angina.

Fatigue – Tiredness even after plenty of sleep and just carrying out daily tasks

Joint pain – Typically in the hands and feet. These pains do not cause progressive damage to the joints

Rashes – Most often on the face, wrists, and hands. One common form is across the bridge of the nose and cheeks and is often known as a ‘butterfly rash’. These can last for just 14 days or be permanent. Sometimes rashes are painful and itchy.

Case Studies

Most Common Questions

We answer your most frequently asked questions.

Can I get Life Insurance if I have Angina?

It is certainly possible to obtain Life Insurance with a history of Angina, however it will depend on the severity of the condition and any related issues. There will almost certainly be a ‘loading’ to your life insurance premiums which will also depend on the severity of the condition and any related problems.

What happens if I have been declined life insurance in the past because of my Angina?

It is possible that certain insurance providers may decline life insurance cover for you because of your Angina, however underwriting will vary from one provider to another. The Insurance Surgery is a leading life insurance specialist for people with medical conditions such as Angina and therefore we know which insurers may be sympathetic to your circumstances.

How much will life insurance for Angina cost?

The cost of cover will depend on the standard criteria such as your age, smoker status, amount of cover and term. It will also potentially include a loading which is also dependant on your condition, lifestyle and the severity / frequency of your symptoms. Our expert advisers have years of experience and we aim to find the best cover for you and at the most competitive price.

I already have Life Insurance so is it worth looking?

If you obtained life insurance before you were diagnosed with Angina or any other medical condition, it may well be worth keeping that policy and either looking at a top up policy or simply sticking as you are. Our advice is free so we’ll be able to tell you what the best options are for you and your family without costing you anything.

Facts about Angina

Angina is a type of pain that is felt in the chest area which can also result in discomfort in the arms, stomach, neck and jaw.

The cause of Angina is where the blood supply the heart is restricted which is also called Coronary Heart Disease.

Angina Statistics (UK):

Angina is more common in men than in women

1 in 12 males between 55 and 64 have Angina

1 in 30 females between 55 and 64 have Angina

160k people die each year from cardiovascular or heart disease

Related Conditions

Heart Attack

Stroke

Raised Cholesterol

High Blood Pressure

Diabetes (Type 1 & Type 2)

Mental Health problems (e.g. Anxiety & Depression)

Mental Health problems (e.g. Anxiety & Depression)

Types of Angina

There are 2 main types of Angina which are commonly known as:

Stable Angina: This is usually caused by certain events such as exercise and can be brought under control by taking medication and resting.

Unstable Angina: These attacks are more unpredictable and will be far more random, so difficult to identify any cause. It is also difficult to manage this type of Angina with medication and symptoms / attacks can continue regardless of rest.

Useful Links

Our team of expert advisers at The Insurance Surgery has many years’ experience working with people with Angina. We aim to find you the best cover for you, your family or your business with the most competitive premiums.
Get a Quote

Click the links below to find out more: