Structural / Congenital Heart Disorder

Life Insurance with a Structural / Congenital Heart Disorder


We have created the information below for those with a Congenital Heart Disorder and complications arising from it.

Alternatively, you can see our dedicated information for those who have Ischaemic Heart Disease.

Your specific Heart Disorder

The information below is suitable for you if you have any of the following:-

  • aortic valve stenosis 
  • coarctation of the aorta
  • Ebstein’s anomaly 
  • patent ductus arteriosus 
  • pulmonary valve stenosis 
  • septal defects – including atrial septal defects and ventricular septal defects
  • single ventricle defects – including tricuspid atresia and hypoplastic left heart syndrome
  • tetralogy of Fallot 
  • total anomalous pulmonary venous connection
  • transposition of the great arteries 
  • truncus arteriosus 

If your condition is not listed, you may still enquire using this page if you have any other structural Heart disorder.


Make a Life Insurance Enquiry

If you need a specialist underwriter.

If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your Heart Condition and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.  

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote, often earlier after diagnosis/treatment or sooner after an “event” such as a heart attack than may be the case with mainstream insurers.

It will be easier to find cover if your condition has become stable.  It is almost inevitable that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.

Your application with Pulse Insurance will always be individually considered by our underwriters based on the specifics of the details you provide.

If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 841430.

Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are good at helping people find the cover they need.

In most cases of a Heart Condition we can offer indicative premiums and/or a sense of whether cover may be available early on; so you can decide how to proceed.


Being Transparent

It is always important to declare your Heart Condition and any other medical conditions completely.


Your Personal & Medical Details

Everything you disclose about your Heart Condition and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.


Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your health and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.

Life cover is issued based on a “snapshot” of your health.  Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.



Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Heart Condition and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

If you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.


Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to [email protected] or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family. 

Make an enquiry