November 12, 2018


How will an Ablation for SVT effect my life insurance premiums?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 

Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

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Our client

Our client is a 49 year old man, who was looking for life insurance to provide financial protection for his mortgage and his wife in the event of his death.

He had been diagnosed with Supraventricular Tachycardia (SVT) in 2016. He also has high blood pressure which is well controlled with medication. Our client had an ablation 12 months ago and has not had any symptoms of SVT/ and irregular heart beat since.

Supraventricular tachycardia (SVT) is a condition where your heart suddenly beats much faster than normal. It’s not usually serious but some people may need treatment.

What is SVT?

SVT happens when the electrical system that controls your heart rhythm isn’t working properly.

This causes your heart to suddenly beat much faster. It can then slow down abruptly.

A normal resting heart rate is 60 to 100 beats per minute (bpm). But with SVT your heart rate suddenly goes above 100bpm. This can happen when you’re resting or doing exercise.

Treating SVT in hospital

SVT is rarely life-threatening. But you may need treatment in hospital if you keep having long episodes. Our client had a catheter ablation. This is a treatment where thin tubes are placed through a vein or artery into your heart to correct the problem with the electrical system; this permanently cures the problem in most patients.

The Outcome

Some insurers would be able to offer life insurance but would still increase the premium by 50% despite the fact the client no longer has symptoms. However, there a few insurance companies who were able to offer standard terms after writing to the clients GP.

Our client was pleased when we arranged life cover with a sum assured of £400,000 over a 15 year term for an unloaded monthly premium of £42.36.

Please note that the premiums provided are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.


Client ID: 130899111

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Next steps

Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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For more information on ablation and SVT click on the links below:

NHS Choices SVT

The British Heart Foundation Catheter Ablation