In some circumstances, you'll have to pay higher premiums, depending on your condition, but you should be able to get cover.
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.
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.
You pay the same price as buying directly from the life insurer.
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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:
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.
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.
An adviser can help you find cover from trusted life insurance brands.
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.
✅ 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:
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.
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