Right Bundle Branch Block

When you apply for life insurance and you are living with right bundle branch block, it can be hard to know what to expect. Our advisers are here to help you understand what will happen during the application process and find the right insurer for you.

One of the first things that we will do is chat to you about why you are wanting life insurance, to make sure that we pick the right options for you. We will then ask you quite a few questions about your health, so that we can research the insurance market and find the insurer that is going to offer you the best terms for life insurance.

Things we need to know:

• When were you diagnosed with right bundle branch block?
• Do you take any medication for this?
• Have you had a pacemaker fitted?
• Do you have any upcoming surgeries planned?

When you have right bundle branch block your life insurance application will usually be reviewed by the insurance provider alongside a report from your doctor. By contacting your doctor the insurer can fully assess your medical history and underwrite your policy with a clear picture of your health. These reports can take a little time to complete, but the good thing is that you then know that the insurer has a clear picture of your health, before they offer you life insurance.

Where right bundle branch block is very mild some insurers may be able to offer you standard terms for life insurance. However it is more normal for people living with the condition to have the life insurance policy offered at special terms. This is usually an increase to the policy premium. 

Our advisers are on hand to find the insurer that is going to look at your life insurance application and offer you competitive terms.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover is currently unavailable for people living with right bundle branch block, on the standard insurance market. We are continually monitoring the options that insurers offer and will update this page as soon as their are any developments.

There are critical illness policies that can be arranged for you with specialist insurers or potentially through your employer. These policies have very specific eligibility criteria and we strongly recommend that you speak with one of our advisers, to find out if you can access them.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection is currently unavailable for people living with right bundle branch block, within the personal income protection market. There can sometimes be options that you can arrange through your employer, that will allow you to have some income protection, but this is in area where you must take advice from an adviser such as ourselves. Please get in touch with one of our team to help you determine if this is a potential option for you.

As an alternative to income protection you should consider accident, sickness and unemployment cover. An accident, sickness and unemployment policy provides between 12 and 24 months of income replacement should you be unable to work due to disability, significant injury or involuntary redundancy. Your diagnosis of right bundle branch block will not be considered by the insurer at the point of your application, but it will be taken into account and excluded from any claims that you make.

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Are you planning a holiday? It’s always a good idea to have travel insurance in place, just in case. We can put you in touch with a specialist travel insurance broker, who can help you find the best insurance for you. Please visit our travel page here.