Life insurance if you have a pacemaker

In some circumstances, you'll have to pay higher premiums, depending on your condition, but you should be able to get cover.

Am I covered by life insurance if I have a pacemaker?

Yes. All causes of death are generally covered by life insurance. You'll have to let the insurer know that you have a pacemaker, which may increase the amount you'll pay, depending on your condition, but you should be able to get cover.

Otherwise, they'll let you know. You can also check the product disclosure statement (PDS) for exclusions and ask the insurer directly.

Compare providers that cover pacemaker use

We found 10 policies in Australia that cover you if you have a pacemaker. During the application process, it's important you let the insurer know about your pacemaker so that you can get cover tailored to your needs.

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Name	Product	Maximum Cover	Maximum Entry Age	Fully Underwritten?	Terminal Illness Benefit
NobleOak Life Insurance Finder Award		$15,000,000	69		$15,000,000	Get Quote More Info	Get 2 months free when you apply for one or more life insurance types with NobleOak's Premium Life Direct policy before 30 June 2022. T&Cs apply.	Compare	loading Fetching your data...
Zurich Ezicover Life Insurance		$1,500,000	69	No	$1,500,000	Get Quote More Info	Get your first month free and a 10% discount by taking out a second life insurance policy (discount applies to the second policy). T&C’s apply.	Compare	loading Fetching your data...
RAC Life Insurance (Only available in Western Australia)		$25,000,000	69		$25,000,000	Get Quote More Info	When you purchase RAC Life Insurance, WA residents receive complimentary RAC membership which includes access to discounts on fuel, savings on shopping, entertainment and more. T&Cs at rac.com.au.	Compare	loading Fetching your data...
AIA Life Insurance		No limit	54		No limit	Enquire now	Compare	loading Fetching your data...
ClearView Life Insurance		$20,000,000	75	No		Enquire now	Compare	loading Fetching your data...
AAMI Life Insurance		$1,500,000	65		$1,500,000	More Info	Get 5% off for existing customers and get the 12th month free if you pay annually.	Compare	loading Fetching your data...
Allianz Life Plan		$1,500,000	65	No	$1,500,000	More Info	Insure up to 2 people on the same policy, get up to $1,500,000 million depending on your age and $15,000 funeral advancement included within the cover.	Compare	loading Fetching your data...
Bendigo MaxLife Life Protect		$1,000,000	65		$1,000,000	More Info	MaxLife Life Protect gives you a 5% joint policy discount and 10% off your premium at your next policy anniversary date when you keep your AIA Vitality status of Silver, Gold or Platinum. There are up to 3 ways to make savings on your premium, including a 5% Partner discount for you and your partner if you both take out MaxLife Income Protect or MaxLife Life Protect policies.	Compare	loading Fetching your data...
Suncorp Life Insurance		$1,500,000	65		$1,500,000	More Info	Sign up and become a member of Suncorp Benefits. Access savings of up to 15% from major retailers. Existing members can get a 5% discount off their policy.	Compare	loading Fetching your data...
CommBank Life insurance		$1,000,000	65		$1,000,000	More Info	Compare	loading Fetching your data...

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Can I get life insurance if I have a pacemaker?

Yes, it's possible to get life insurance if you have a pacemaker, particularly if it's helping you to live a normal, healthy lifestyle. However, because most people have a pacemaker due to a heart condition, it's very likely you'll be charged more. If you're struggling to find cover, keep in mind:

How long you've had a pacemaker

The longer the better, provided that you've had no symptoms related to your heart condition. This is because life insurance providers want to know that the pacemaker has had a positive overall impact on your health.

You can speak to an adviser

Having an irregular heart rhythm and a pacemaker is considered a pre-existing medical condition. Advisers can be helpful because they know what to look for and they're not tied to one insurance provider.

Enter your details and one of our partner brokers will call you. They will discuss your quote, options and available products.

First Name

Last Name

Phone

Email

State ACTNSWNTQLDSATASVICWA

Age

Sex

Male

Female

Do you smoke?

Yes

No

Level of Protection UnsureNone$100,000$200,000$300,000$400,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,250,000$1,500,000$1,750,000$2,000,000

An adviser can help you find cover from trusted life insurance brands.

• Get competitive quotes from multiple brands
• Lower rate of declined claims (according to ASIC)
• Save time and effort

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Do I have to let my insurer know if I get a pacemaker while I have cover?

When you apply for a policy, your premiums are worked out based on your current health, lifestyle, age and job. If any of those things change once your policy has been accepted, which they inevitably will, you don't generally need to inform your insurer.

However, if you want to update or alter your policy – say you want to increase your life insurance benefit - then you will have to provide updated personal information, including that you've got a pacemaker.

Do I have to declare that I have a pacemaker before taking out cover?

✅ Yes. You need to let your insurer know about your pacemaker and heart condition or you risk invalidating your cover, meaning that any future claim you make will likely be rejected. It's crucial that you're honest.

When you take out life insurance, you'll usually have to provide a detailed account of your medical history. This often requires some kind of medical exam to assess your health. It's essentially to help the provider determine how much of a risk you are to insure and work out how much to charge you.

You'll also be asked questions about your:

• Overall health
• Diet, exercise, lifestyle
• Condition history (e.g. how long you've had the condition and pacemaker)
• Occupation

Is it worth getting life insurance if I have a pacemaker?

Absolutely. Having a pacemaker shouldn't necessarily make it a whole lot more difficult or expensive to get life insurance. If anything, it can show insurers that you've had a heart condition that is now stable thanks to the pacemaker, provided you've not had any symptoms for some time.

Even if the cost of your cover is increased marginally or considerably, life insurance is really important if you want peace of mind and financial security. It can pay off debts from your mortgage to your car loan and ensures that you're not leaving your loved ones in the lurch.

Getting life insurance if you have a pacemaker isn't as difficult as you might think. There are policies out there for you. 🔎 Begin comparing here.

FAQs about life insurance and pacemakers

• Does TPD insurance cover me if I have a pacemaker?

  Total and permanent disability (TPD) policies cover you if you become permanently disabled and can no longer work. If a heart condition forces you to stop work permanently, then a TPD policy is likely to cover you.

• Does critical illness insurance cover pacemakers?

  It's unlikely that a trauma insurance policy will cover you for pacemakers. But it is likely to cover you for a serious heart condition.

• Does income protection insurance cover me if I have a pacemaker?

  If you need to take some time off work to recover from having a pacemaker installed, income protection will only cover you if it was unexpected. This is because income protection doesn't cover you for the time off work that you knew you needed to take.