You’ve had a heart attack, stroke, or have an ongoing cardiac condition (atrial fibrillation, valve disease, heart failure). Underwritten products will ask detailed questions and may decline or rate up heavily. Guaranteed-acceptance products don’t ask, but apply standard 12–24 month waiting periods for natural-cause death.
Who this scenario fits
- Prior MI, stroke, or current cardiac condition
- Concerned about underwriting decline
- Want cover regardless of medical history
What to look for
- Guaranteed-acceptance products — no cardiac questions
- Immediate accidental-cover (usually day one) even before waiting period clears
- Accelerated Funeral Benefit terms (some insurers pay early on terminal cardiac diagnosis)
- Cover amount matching realistic funeral cost — don't over-insure at higher premiums
Watch out for
- Underwritten products typically decline within 12 months of a cardiac event
- A heart attack during the waiting period of a guaranteed-acceptance product = premium refund only
- Non-disclosure of cardiac history on an underwritten policy voids the contract under the Insurance (Prudential Supervision) Act 2010
Products to consider
Editorial selection based on product structure (not subjective ranking). Quote with each insurer for premiums applicable to your age and cover amount.
Related pages
Regulator + source references
Ready to compare?
Quote with each insurer for premiums and cover amounts applicable to your situation.
Editorial only — not personalised financial advice. Operated by Evolve Group Limited (FSP711891), a Financial Advice Provider licensed by the FMA.