Are you struggling to find life insurance cover because you have long QT syndrome in your medical history? iLL can help – we specialise in helping people with heart-related health conditions to find the right life insurance cover that gives them total peace of mind. Use our comparison service to find the best long QT syndrome life insurance policy from our network of approved impaired insurance specialists. iLL saves you time and money by searching the market to find you the right policy.
Long QT syndrome is a genetic heart rhythm condition in which the heart muscle takes longer to recharge itself between heart beats. This can cause sufferers to faint or have seizures. The condition is uncommon, and only affects 1 in 2000 people. It is most commonly diagnosed through an ECG.
Symptoms of long QT syndrome include fainting, fits, seizures and heart palpitations. Such symptoms occur because the heart stops properly pumping blood around the body, starving it of oxygen and causing a person to lose consciousness. A sufferer usually regains consciousness when they heart re-establishes a normal rhythm. Long QT syndrome symptoms can also be triggered by stress, sudden noises or shock, or very physical exercise. Although the heart often returns to normal, if it doesn't and it isn't treated with a defibrillator, there is a risk of death to the sufferer through cardiac arrest.
Treatments for long QT syndrome include medications, beta blockers, a pacemaker and an ICD (implantable cardioverter defibrillator). In some cases, surgery is required to control the chemicals that flow into the heart. Many people with long QT syndrome live normal lives, but need to make lifestyle adjustments to ensure that their condition doesn't impact on their everyday living, such as dietary changes, avoiding strenuous exercise and keeping well hydrated after periods of illness.
Given the risk of death that is associated with long QT syndrome, and other health complications that can occur with the heart (such as heart attack), some insurers can be cautious about accepting your application. Acceptance for cover will depend on your circumstances and medical history. An insurer will typically request a report from your GP to gain further details of when you were first diagnosed with long QT syndrome and the treatment you are receiving (if any). All insurers have to underwrite applications they receive from customers looking for long QT syndrome life insurance, as they need to assess their level of risk. If you have suffered a cardiac arrest as a result of long QT syndrome, it can be more challenging to find an insurer that meets your needs. With iLL's comparison service, you can find the right life insurance for your personal circumstances.
If you have long QT syndrome in your medical history, you should expect to pay higher premiums. Generally speaking, the cost of your premiums will depend on when you were first diagnosed, how often you faint or experience blackouts due to long QT syndrome, medications you are taking to treat the condition, treatment you have received, and whether or not you have had surgery. These factors will determine the overall level of risk that you pose to an insurer. Prices from insurers will vary, which is why iLL is the ideal place to find the best long QT syndrome life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you have experienced severe health complications as a result of long QT syndrome, or were hospitalised for some duration and/or required surgery, there is a great likelihood of you making a claim to an insurance company in future, and a loading fee may therefore be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal. It's quick and easy to get your quote – just fill in our 30-second form.
Get your Long QT Syndrome life insurance quote
iLL works with many of the UK's leading long QT syndrome life insurance providers. Just fill in a 30-second form and your details will be submitted to a panel of FCA-registered impaired life insurance specialists. You can then receive quotes from more than one long QT syndrome life insurance broker and choose a policy that's right for you. This should help you to find:
Get your Long QT Syndrome life insurance quote
If you are trying to secure critical illness cover and you have experienced long QT syndrome in your medical history, you may need to speak to a specialist insurer that suits your needs. The type of policy and cover offered to you will depend on your circumstances and level of risk. Acceptance criteria can be strict, especially if an underlying medical condition is present and linked to your long QT syndrome. Some insurers may place exclusions on your policy in relation to heart conditions. iLL's policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. iLL saves you time searching the market for the right insurer.
iLL makes the purchasing of long QT syndrome life insurance as quick and easy as possible. To be referred to our specialist impaired life insurance partners for long QT syndrome life insurance, just fill in our simple form with your details. We will search the market for you to find the best and most comprehensive cover at the right price.