Diana’s Clements recent article on heart attack definitions in trauma insurance and the situation of a claimant in Australia, not getting paid for his heart attack, has put the spot light on the definition of a heart attack in trauma insurance here.

Looking into heart attack definitions in the market, from what you can presently buy, the quality level across heart attack definitions is quite surprising.

There has been plenty of contention about Sovereign heart attack definitions over the years. The rating for this would suggest it’s somewhat founded, with a 21% gap between it and the best rated heart attack definition.

As our largest life insurer, Sovereign also has the largest number of trauma policies on their books.

The contention is; the definition with Sovereign is at the level Sovereign feels is appropriate for the impact on people’s lives, and to balance claims and premium costs for policy holders. This may be true, however it does have the challenge of creating difficult claims, when there is impairment, but not enough for the definition to pay a claim.

And this is on a policy that scores with in 79% of the best available. The ones below this, claim payments get harder.

The following are the various definitions for a heart attack across the companies, I have been able to source and have independently rated.

As you will see the definitions are not the easiest things in the world to read or understand.

The rating in the () is the Quality Product Research Rating. Where the best definition is given 100 and the rest are rated as a percentage against this/these wordings. In this case Fidelity Life have the best rated Heart Definition.

That is not to say Fidelity Life have the best trauma rating, as other policy benefits and conditions need to be considered as does your health for underwriting.

The Accelerated and Standalone indicates the ‘flavour’ of policy structure available.

If it is Stand Alone, you can buy this benefit as a product on a policy by itself. A claim paid under a standalone benefit does not affect other covers on the policy.

If it is Accelerated it must be purchased with an equivalent amount of life cover, for it to work. If you have an accelerated benefit claim paid, it will reduce the life cover by the amount of the claim payment. Which is a consideration as it may leave insufficient life cover for the needs you have.

Ok, the technical bits, you may need a medical dictionary or a Dr on call.

To help with the definitions:

CK-MB is an older blood test that is not used for diagnostics any more. But it does appear in old policy wordings. It indicates there has been a cardiac incident but doesn’t define severity of the incident particularly well.

Troponin T and Troponin I are the diagnostic blood tests commonly used to diagnose heart attacks and severity. Depending on the DHB you’re being treated with, this will determine which test they typically use.

You will see some of the definitions following refer to biomarker blood tests, this will be the Troponin T or I test. Some will say Troponin T or I and others will be specific about the measurement in the test.

Lastly you’ll see in the definitions the page number referenced, giving you an idea about how long some of these quite technical documents really are.

Ok buckle up, may be grab a coffee, as the rest will take some time to get through.

AIA Accelerated & Standalone (96)

Personal Cover, Trauma Cover, 10/2015, Page 24, Section D(4)

HEART ATTACK Heart Attack (myocardial infarction) means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area.

The Diagnosis must be confirmed by a cardiologist and evidenced by typical rise and/or fall of cardiac biomarker blood test (Troponin T, Troponin I or CK-MB) with at least one level above the 99th percentile of the upper reference limit

PLUS:

1. Acute cardiac symptoms and signs consistent with myocardial infarction; or
2. New serial ECG changes with the development of any of the following:
   
   1. ST elevation or depression,
   2. T wave inversion,
   3. pathological Q waves or
   4. left bundle branch block (LBBB); or
3. Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality

If the above tests are inconclusive We will consider other appropriate and medically recognised tests.

The following are excluded:

• Other acute coronary syndromes including but not limited to angina pectoris; or
• A rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease.

AMP Accelerated & Standalone (96)

AMP Lifetrack, Trauma Plus Option, 08/2015, Page 77, Section 22.10

Heart Attack We will pay if the Person Insured suffers a heart attack which means the death of heart muscle as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist and evidenced by:

• Typical rise and/or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference range,

PLUS one of the following:

• Signs and symptoms of ischaemia which are consistent with myocardial infarction; or
• New serial ECG changes with the development of any one of the following:
  • ST elevation or depression; or
  • T wave inversion; or
  • left bundle branch block (LBBB); or
  • pathological Q waves or

Imaging evidence of new loss of viable myocardium, or new regional wall motion abnormality.

If the above tests are inconclusive, we will consider other appropriate and medically recognised tests.

Other acute coronary syndromes including but not limited to angina pectoris are excluded.

A rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease is also excluded.

AMP RPP Accelerated & Standalone (96)

AMP RPP Trauma Cover, NZPD0289-08/2015, Page 7, Section 7

Heart Attack We will pay if an area of the Life Insured’s heart muscle dies due to a sudden lack of adequate blood supply. This diagnosis must be supported by:

• A (i) New electrocardiographic (ECG) changes consistent with myocardial infarction,
• and (ii) A diagnostic rise in cardiac enzymes above normal levels, or a rise of Troponin I in excess of 2000 ng/L, or Troponin T in excess of 600 ng/L.

If the above criteria are not met, we will consider a claim based on satisfactory evidence that the Life Insured has unequivocally been diagnosed as having suffered a heart attack resulting in:

• B (i) A permanent reduction in the Left Ventricular Ejection Fraction to less than 50 per cent measured in the three months or more after the event; or
• (ii) New pathological Q waves.

If the above tests are inconclusive, other appropriate and medically recognised tests will be considered.

Chest pain that does not meet the above diagnostic requirements is excluded.

ANZ Accelerated Only (78)

ANZ Life & Living Insurance, 13/09/2015, Page 9

Major heart attack We will pay on first occurrence of an acute myocardial infarction, which means part of the heart muscle dies due to lack of blood supply to the heart muscle. Diagnosis must be based on:

• ECG tests that show new changes confirming a myocardial infarction; and
• diagnostic tests showing the rise (other than as a result of cardiac intervention) of the insured person’s:
  • cardiac enzymes CK-MB above standard laboratory levels of normal; or
  • Troponin I levels to higher than 2000 ng/L or Troponin T to levels higher than 600 ng/L.

If the above tests are inconclusive, we may consider any other appropriate evidence in support of a diagnosis.

Lesser acute coronary syndromes, including unstable angina and acute coronary insufficiency, are specifically excluded from the Critical Illness benefit.

ASB Accelerated & Standalone (79)

902 ASB LSPP-LAC version 6, 10/2015, Page 20-21, Section 15

Heart Attack Full payment The death of a portion of the heart muscle as a result of the inadequate blood supply to the relevant area. The diagnosis shall be based on the following criteria being present and consistent with a severe heart attack:

• Confirmatory new electrocardiogram (ECG) changes as evidenced by any one of the following: - ST changes; - T wave inversion; - Left bundle branch block (LBBB); - Pathological Q Waves; and
• A diagnostic rise and fall (other than as a result of cardiac or coronary intervention) in either Troponin I in excess of 2.0 microgram/L (equivalent to 2,000 nanogram/L) or Troponin T in excess of 0.6 microgram/L (equivalent to 600 nanogram/L) or cardiac enzyme CK-MB.

If any of the above criteria is not met, then we will consider a claim based on evidence that the event produced a permanent reduction in the Ejection Fraction to 50% or less (as measured at three months after the event).

Partial payment The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by:

• Typical rise and/or fall of cardiac biomarkers (Troponin T or Troponin I or CK-MB) with at least one value above the 99th percentile of the upper reference limit;

and at least one of the following:

• Signs and symptoms of ischaemia which are consistent with myocardial infarction; or
• New serial ECG manifestations of acute myocardial infarction with the development of any one of the following:
  • ST changes;
  • T wave inversion;
  • Left bundle branch block (LBBB);
  • Pathological Q waves; or
• Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.

A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 10 times the 99th percentile of the upper reference limit.

If the above tests are inconclusive Sovereign will also consider the evidence in conjunction with other appropriate and medically recognised tests.

Other acute coronary syndromes including but not limited to angina pectoris are excluded.

The benefit payable is 50% of the sum assured to a maximum of $50,000 across all Sovereign policies with the same policy owner for the life assured.

Only one claim can be made for this partial payment per life assured.

Asteron Accelerated & Standalone (97)

Personal Insurance, Trauma Recovery Cover, RP347 (08/15), Page 63, Section 13

Heart attack means the death of heart muscle as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist and evidenced by:

• typical rise and/or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference range, PLUS one of the following:
• signs and symptoms of ischaemia which are consistent with myocardial infarction; or
• new serial ECG changes with the development of any one of the following:
  • ST elevation or depression
  • T wave inversion
  • new left bundle branch block (LBBB), or
  • pathological Q waves; or
• imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.

If the above tests are inconclusive, we will consider other appropriate and medically recognised tests.

Other acute coronary syndromes including but not limited to angina pectoris are excluded.

A rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease is also excluded unless the baseline value is normal and the

elevation is greater than 10 times the 99th percentile of the upper reference.

BNZ Accelerated Only (76)

Life Care, 28/2/2015, Section 4.2, Page 5 & 6

Heart Attack – Acute myocardial infarction, being the death of a portion of the heart muscle resulting from inadequate blood supply through the coronary arteries. The diagnosis must be based on all of the following:

• a history of typical prolonged chest pain;
• new electrocardiographic changes characteristic of myocardial damage;
• elevation of cardiac enzymes or other markers of myocardial damage (including troponins) above standard laboratory levels of normal.

Excluded are:

• Subendocardial infarcts,
• Non-ST-segment-elevation myocardial infarction (NSTEMI).

Cigna SA Only (68)

Cigna, Trauma Insurance, 12/05/1212/03, Section 4

Heart Attack If you suffer a Heart Attack, 90 or more days after the Cover Start Date and the Survival Period is reached, Cigna will pay you the full current Sum Insured and your Policy will end.

Heart Attack means diagnosis of the death of a portion of heart muscle arising from inadequate blood supply to the relevant area.

The diagnosis must be supported by the following criteria being present, and consistent with a Heart Attack:

• confirmatory new electrocardiogram (ECG) changes; and
• diagnostic elevation of cardiac enzyme CK-MB or an elevation of Troponin of five times the upper limit of normal.

Other causes of severe non-cardiac chest pain, heart failure and angina are specifically excluded.

Co-Operative Bank SA Only (65)

Life Plus, Trauma Cover, A1 IS 125/08/13, page 11 v.

Heart Attack (Myocardial Infarction) Means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The basis of the diagnosis by a Medical Practitioner approved by Us will be:

• Confirmatory new electrocardiogram (ECG) changes, and;
• A diagnostic rise and fall (other than as a result of cardiac or coronary intervention) in either Troponin I in excess of 2.0 ug/L or Troponin T in excess of 0.6 ug/L or cardiac enzyme CK-MB.

If the above criteria are not met, we will pay a claim based on satisfactory evidence that the Life Insured had unequivocally been diagnosed by a Medical Practitioner approved by Us as having suffered a myocardial infarct resulting in:

• A permanent reduction in the Left Ventricular Ejection Fraction to less than 50%, measured 3 months or more after the event, or;
• New pathological Q waves.

Countdown Accelerated Only (96)

Countdown, CIG611 07/14/850/01, July 2014, Page 6, Section 7

Heart Attack means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by:

• typical rise and/or fall of cardiac biomarkers (Troponin T or Troponin I or CK-MB) with at least one value above the 99th percentile of the upper reference limit, and

one of the following:

• signs and symptoms of ischemia which are consistent with myocardial infarction
• new serial ECG manifestations of acute myocardial ischemia with the development of any one of the following:
  • ST changes
  • T wave inversion
  • left bundle branch block
  • imaging evidence of new loss of viable myocardium or
• new regional wall motion abnormality. O pathological Q waves; or
  • imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.

A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 3 times the 99th percentile of the upper reference limit.

If the above tests are inconclusive we will consider the evidence in conjunction with other appropriate and medically recognised tests.

Fidelity Life Accelerated & Standalone (100)

Platinum Plus, Trauma Cover, YRT-15D-011015, Section C, Page 6

Myocardial infarction (heart attack) means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area.

The basis of diagnosis shall include:

1. Electrocardiographic changes associated with myocardial infarction.
2. Elevation of cardiac enzymes consistent with a myocardial infarction.

If ECG or enzyme evidence of infarction is unavailable or inconclusive, then we will consider any other test results provided in support of the diagnosis.

MAS Accelerated & Standalone (88)

IPLP006-06/2012, Page 7, Section 5.1

Significant heart attack Means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area.

• The basis for diagnosis of a significant heart attack will be that the insured person has a diagnostic rise and fall of cardiac biochemical markers associated with a heart attack (myocardial infarction) (for Troponin I, this is defined as a level of over 2.0 ug/L, and for Troponin T, a level of over 0.6 ug/L)

and either:

• confirmatory new electrocardiogram changes indicative of ischemia; or
• acute cardiac symptoms and signs consistent with a heart attack.

If the electrocardiogram or biochemical marker evidence of infarction is unavailable or inconclusive, we will, at our discretion, consider any other evidence provided in support of the diagnosis, including but not limited to:

• a permanent physical impairment to at least Class 3 (marked limitation of activity due to symptoms) of the New York Heart Association classification of cardiac impairment; or
• a permanent reduction in the left ventricular ejection fraction to less than 50%.

OnePath Accelerated & Standalone (68)

Assurance Extra, Trauma Cover, V4.2, 12/2015, Page 12, Section 15

Heart Attack* Means part of the heart muscle dies due to lack of blood supply to the heart muscle.

Diagnosis must be based on:

• confirmatory new ECG changes demonstrating a myocardial infarction;

and either:

• the diagnostic rise (other than as a result of cardiac intervention) of the insured’s cardiac enzymes CK-MB above standard laboratory levels of normal; or
• the diagnostic rise (other than as a result of cardiac intervention) of either Troponin I levels to higher than 2 ug/l or Troponin T to levels higher than 0.6 ug/l.

If the above tests are inconclusive, OnePath may consider other appropriate and any other medical evidence in support of a diagnosis.

Lesser acute coronary syndromes including unstable angina and acute coronary insufficiency are excluded as part of this definition.

Partners Life Accelerated & Standalone (98)

Personal Protection, Trauma Cover Accelerated, V12 (1 April 2015), Page 6, Section 4

Heart Attack* Means a diagnosis has been made that part of the heart muscle has died due to the lack of blood supply to the heart muscle.

• The diagnosis must be based on a combination of tests, medical evidence or an appropriate Specialist opinion which would generally be recognised by Cardiology Specialists as being appropriate for the purpose of determining whether death of part of the heart muscle has occurred.

Lesser acute coronary syndromes including unstable angina and acute coronary insufficiency are excluded.

Pinnacle Life Accelerated Only (80)

Pinnacle, Critical Illness Cover, June 2014, Page 10, Section ‘Critical Illness Definitions’

Heart attack A heart attack is the death of the heart muscle due to a sudden lack of adequate blood supply to that area, where the following metrics are confirmed:

• There are new confirmatory ECG changes at the time of the heart attack; and
• There are diagnostic changes in relevant enzymes in the days following the heart attack.

If a heart attack cannot be confirmed using the above metrics, we’ll consider a claim based on evidence that the attack has reduced the ‘Ejection Fraction’ (the volume of blood pumped out of the heart chamber with each heartbeat) by at least 50%, measured 90 or more days after the attack.

SBS Bank Standalone Only (68)

South sure Insurance, Critical Condition Insurance, Page 6, Section 3.2 3.2

Major Heart Attack Subject to clause (3.2.1), if You have been diagnosed as suffering, for the first time ever and at a date not earlier than 90 days after the Start Date or the Date of Reinstatement (whichever is the latter) from this Critical Condition, and the Survival Period is reached, We will pay You the full current Sum Insured and Your Policy will stop.

3.2.1 Benefit Conditions You must have been diagnosed as suffering from an acute myocardial infarction (other than as a direct result of cardiac or coronary intervention) being the death of a portion of the heart muscle resulting from inadequate blood supply through the coronary arteries.

All of the following criteria must be satisfied to establish an acute myocardial infarction has occurred:

• An episode of typical prolonged chest pain;
• New electrocardiographic changes characteristic of myocardial damage; and
• Elevation of biochemical markers in either Troponin 1 in excess of 2.0ug/L, Troponin T in excess of 0.6ug/L or cardiac enzyme CK-MB.

Subendocardial infarcts, Non-ST-segment- elevation myocardial infarction (NSTEMI), and angina are excluded.

If the above criteria are not met, then We will pay a claim based on satisfactory evidence that You have suffered a myocardial infarction which has resulted in a permanent reduction in the Left Ventricular Ejection Fraction to less than 50% as measured 3 months after the event.

Southern Cross Standalone Only (98)

Critical Illness Cover, 0109/MC/1SCCI001/0615, Page 8, Section 6 Diagnosis criteria Either:

(b) Myocardial Infarction (Heart Attack - the death of a portion of the heart muscle arising from inadequate blood supply to the relevant area).

A Cardiologist must certify that a Myocardial Infarction has occurred and this must be supported by the presence of:

1. Clinical features consistent with Myocardial Infarction; and
2. Confirmatory new electrocardiogram (ECG) changes consistent with Myocardial Infarction; and
3. Progressive diagnostic elevation of cardiac enzyme or Troponins or other markers of cardiac injury consistent with Myocardial Infarction.

If criteria (i), (ii) and (iii), as set out above, are not genuinely available (or are deemed inconclusive by Southern Cross) then Southern Cross will consider other medical evidence which it deems satisfactory to support a diagnosis of Myocardial Infarction.

Exclusions Lesser acute coronary syndromes including, but without limitation, unstable angina, acute coronary insufficiency and heart failure.

Sovereign Accelerated & Standalone (79)

802 TCP-LAC version 8, 10/2015, Page 13, Section 15

Heart Attack Full payment The death of a portion of the heart muscle as a result of the inadequate blood supply to the relevant area.

The diagnosis shall be based on the following criteria being present and consistent with a severe heart attack:

• Confirmatory new electrocardiogram (ECG) changes as evidenced by any one of the following:
  • ST changes;
  • T wave inversion;
  • Left bundle branch block (LBBB);
  • Pathological Q Waves; and
• A diagnostic rise and fall (other than as a result of cardiac or coronary intervention) in either Troponin I in excess of 2.0 microgram/L (equivalent to 2,000 nanogram/L) or Troponin T in excess of 0.6 microgram/L (equivalent to 600 nanogram/L) or cardiac enzyme CK-MB.

If any of the above criteria is not met, then we will consider a claim based on evidence that the event produced a permanent reduction in the Ejection Fraction to 50% or less (as measured at three months after the event).

Partial payment The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by:

• Typical rise and/or fall of cardiac biomarkers (Troponin T or Troponin I or CK-MB) with at least one value above the 99th percentile of the upper reference limit;

and at least one of the following:

• Signs and symptoms of ischaemia which are consistent with myocardial infarction; or
• New serial ECG manifestations of acute myocardial infarction with the development of any one of the following:
  • ST changes;
  • T wave inversion;
  • Left bundle branch block (LBBB);
  • Pathological Q waves; or
• Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.

A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 10 times the 99th percentile of the upper reference limit.

If the above tests are inconclusive Sovereign will also consider the evidence in conjunction with other appropriate and medically recognised tests.

Other acute coronary syndromes including but not limited to angina pectoris are excluded.

The benefit payable is 50% of the sum assured to a maximum of $50,000 across all Sovereign policies with the same policy owner for the life assured.

Only one claim can be made for this partial payment per life assured.

Westpac Accelerated & Standalone (53)

Term Cover Policy, Crisis Cover, 07/2014, Page 6, Section 5.1

Heart Attack (Myocardial infarction) The death of a proportion of the heart muscle as a result of inadequate blood supply to the relevant area.

The diagnosis for this must be evidenced by:

• new diagnostic ECG changes; and
• a diagnostic rise and fall (other than as a result of cardiac or coronary intervention) in:
  • Troponin I in excess of 2.0ug/L; or Troponin T in excess of 0.6ug/L; or
  • cardiac enzyme CK-MB above the upper limit of normal.

Non–ST-segment-elevation-myocardial-infarctions (Non STEMI) heart attacks are excluded from this cover except where this results in at least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 6th edition, or an equivalent guide to impairment approved by us.

Phew! that was lengthy! 4000+ words to this point.

What it does say is the expectation for a claim across all providers is pretty consistent.

The clearest definition for a claim is having changes in an ECG test to indicate heart damage and blood biomarker tests. These have proven difficult to achieve with some claims submitted in the past.

If these two things were the gold standard and black and white decider, then the majority of these benefit definitions would be all rated very similar.

But they are not. This is where the secondary measures come into play. The secondary measures give you the policy holder more wriggle room to get a claim paid.

Looking closely at the two definitions best and worst as they give the greatest contrast.

Best Definition

Fidelity Life Myocardial infarction (heart attack) means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area.

The basis of diagnosis shall include:

1. Electrocardiographic changes associated with myocardial infarction.
2. Elevation of cardiac enzymes consistent with a myocardial infarction.

If ECG or enzyme evidence of infarction is unavailable or inconclusive, then we will consider any other test results provided in support of the diagnosis

This is simple to read, very little in the way of wriggle room and if your cardiologist is diagnosing you with a heart attack, by their medical definition, you can reasonably expect a claim to be paid.

Worst Definition

On the other hand, with Westpac theirs is not quite so clear.

Heart Attack (Myocardial infarction) The death of a proportion of the heart muscle as a result of inadequate blood supply to the relevant area.

The diagnosis for this must be evidenced by:

• new diagnostic ECG changes; and
• a diagnostic rise and fall (other than as a result of cardiac or coronary intervention) in:
  • Troponin I in excess of 2.0ug/L; or Troponin T in excess of 0.6ug/L; or
  • cardiac enzyme CK-MB above the upper limit of normal.

With this definition, unlike the Fidelity Life one, it defines the level of the biomarkers. Meaning if you scrape just under them, it is no claim, where as with Fidelity Life it probably would be. (if they are elevated above the highest normal range)

• Non–ST-segment-elevation-myocardial-infarctions (Non STEMI) heart attacks are excluded from this cover except where this results in at least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 6th edition, or an equivalent guide to impairment approved by us.

In the situation of you not achieving the stated biomarkers then the assessment falls to the secondary definition. Which is limited to Non STEMI events.

Now in Fidelity Life’s case what your cardiologist is saying is you’ve had a heart attack. With Westpac if this does not also come with a 25% whole body permanent impairment, then there’s a good chance you won’t get paid.

25% whole body impairment

In loose terms, is what would be required to qualify for an income protection claim, permanently at some level.

After being off work for medical reasons for 14 days and being under 75% of your normal earning capacity for the remainder of the wait period and ongoing for a partial to full claim payment you can and would qualify for an ongoing income protection claim with the majority of providers.

The majority of survivable heart attacks recover and return to work within 6-12 weeks. Which is the real problem with the Westpac Heart attack definition.

Ok so you’ve got this far. Don’t panic!

Don’t rush out cancel what you have and go I want that one either.

About 1/3 of trauma claims are heart attacks and another 1/3 are cancer with Angioplasty, Heart Bypass, Stoke and Kidney Failure making up nearly the remaining 1/3.

Which means you need a suitable policy for your needs across all of the risks you face, not just for heart attacks.

Keeping in mind 85% of trauma claims for females have been for Cancer. With women starting to exhibit similar heart attack tendencies as men.

What you need is some advice, advice on what products you really need, how much of them you need and with which provider. It is unique to your situation. Some will be the Fidelity Life policy, others will be other providers, for quite specific reasons.

Give us a call, we do the research so you don’t have to. Or even easier book some time that suits you directly.