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Long QT Syndrome Life Insurance

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

What Is Long QT Syndrome Life Insurance?

Long QT Syndrome is a condition in which the heart’s natural rhythm is affected. This is caused by the heart muscle taking longer to ‘recharge’ itself between every beat. This can subsequently cause fainting and seizures in sufferers. Sufferers from Long QT Syndrome typically inherit a faulty gene from a parent which affects the heart’s electricity ion channels. There is also a risk of developing Long QT Syndrome through long-term use of medications such as antibiotics, antidepressants and other heart and hayfever medications. But this only occurs if the person has a faulty gene with the potential to develop the condition.

Treatments for people with Long QT Syndrome include:

Beta blockers

A pacemaker

An implantable cardioverter defibrillator

Surgery to control chemical flow into the heart (a sympathectomy)

Following the correct treatment for their circumstances, Long QT Syndrome sufferers can normally live their lives without disturbance from their condition. In some sufferers however, changes to lifestyle are required in order to reduce the occurrence of fainting (such as avoiding strenuous activity or sports). It is also important for sufferers to have high levels of potassium in their diet to help regulate their condition. Potassium can be found in foods such as vegetables, fruits, milk, beef, chicken and bread.

Symptoms include:

Fainting

Blackouts

Seizures

Stress

Heart palpitations

A slower heart rate when sleeping

How Long QT Syndrome life insurance, critical illness cover and income protection 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!

The following are the main conditions for underwriting an application for Long QT Syndrome life insurance:

How often you faint or experience blackouts as a result of your condition

When you were first diagnosed

Whether you experience heart palpitations

Medications taken

Hospital treatment received

Details of necessary surgery or procedures undertaken

At The Insurance Surgery, we are market-leading providers of Long QT Syndrome life insurance. We talk through your circumstances and cover needs with you to identify the best life insurance providers and cover plans for your needs. Simply fill in an easy online form for your free no-obligation quote for your Long QT Syndrome life insurance.

Critical Illness Cover

Just as with life insurance, if your circumstances are such that they are not considered very high risk, you may be eligible for critical illness cover, even if you suffer from Long QT Syndrome. Cover will depend on whether you are able to manage your condition through your lifestyle and/or medications, and an insurer will need to evaluate the impact the condition has on your everyday activities and well-being.

Bear in mind that application criteria for critical illness cover are generally much stricter than those for life insurance. It is very likely that an insurer will want access to your medical history to determine the severity of your Long QT Syndrome. If your symptoms are seen as more severe, you might be offered cover with non-standard terms and higher premiums. Talk to us today at The Insurance Surgery to discover the cover options available to you and to find the right insurer that meets your requirements.

Income Protection Insurance

As with critical illness cover, you may find it difficult to secure income protection if you have Long QT Syndrome, and may need to seek cover through a specialist insurer.

Increased premiums could be added to your policy to reflect the high risk nature of your condition, and exclusions may also be added to the policy in relation to your Long QT Syndrome. At The Insurance Surgery, we can find the right specialist insurer to suit your requirements for income protection should you find yourself unable to work.

Long QT Syndrome life insurance

Underwriting for Long QT Syndrome life insurance will depend on the following factors. Insurers may want to know the following details about your condition for underwriting purposes:

When you were first diagnosed with Long QT Syndrome

Medications you take to regulate your Long QT Syndrome

Details of treatments received for Long QT Syndrome

Lifestyle adjustments you have made to cater for your condition

Whether your condition prevents you from being able to work

Surgery or procedures undertaken for Long QT Syndrome

Family medical history and/or sudden death as a result of Long QT Syndrome

Any insurer will want to evaluate any indicators that are considered a risk. These risk factors will determine how much your premiums will be. An insurer may want access to your health records or a letter from your GP, and may also want to look into any pre-existing medical condition you have that may be related to or affect your Long QT Syndrome. Generally speaking, due to the high risk nature of the condition, it is unlikely that you will get cover with standard terms with Long QT Syndrome. However, if you haven’t had a family history of sudden death as a result of Long QT Syndrome, do not have a pacemaker or defibrillator fitted and have a stable ECG and heart rate, you are more likely to be accepted for cover.

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.

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.

Useful Links

At The Insurance Surgery, we have helped thousands of customers with Long QT Syndrome find the right life insurance cover for their needs. We can compare the market to find you the best insurance providers that suit your circumstances and give you the protection you need.

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.

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.

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

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

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

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

Forbes Advisor, 2025

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>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 a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Long QT Syndrome Life Insurance

What Is Long QT Syndrome Life Insurance?

Beta blockers

A pacemaker

An implantable cardioverter defibrillator

Surgery to control chemical flow into the heart (a sympathectomy)

Fainting

Blackouts

Seizures

Stress

Heart palpitations

A slower heart rate when sleeping

How Long QT Syndrome life insurance, critical illness cover and income protection works:

How often you faint or experience blackouts as a result of your condition

When you were first diagnosed

Whether you experience heart palpitations

Medications taken

Hospital treatment received

Details of necessary surgery or procedures undertaken

Critical Illness Cover

Income Protection Insurance

Long QT Syndrome life insurance

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

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

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

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:

Friday:

Facts About Life Insurance.

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

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

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

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

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

Life Insurance for Sports & Hobbies