Advances in technology have led to pacemakers being developed that are extremely reliable and robust.

So much so that some life insurance are more than happy to offer cover at standard rates.

Many ailments and medical conditions can lead to a life insurance policy being ‘loaded’ or ‘rated’ because of underlying health issues.

Depending on the reasons behind why a pacemaker has been fitted this may still be the case for people who have them.

Life insurance companies will take many things into consideration when assessing a case and different insurance companies view each case differently too.

The main concern for a life insurance company will be why the applicant requires a pacemaker, how long ago it was fitted, how well the person has responded to the pacemaker since it was fitted and how it affects their day to day living.

Life insurance companies will also be interested in the lifestyle of the applicant (drinking & smoking habits) and their height & weight.

A doctors report will be requested by the life insurance company to support an application and the applicant may also need to attend a medical screening. These can be carried out in the comfort of the applicants own home.

Having a pacemaker does not therefore mean life insurance is unobtainable but because insurers view cases differently to one another it makes sense to discuss your case with an adviser who can research the market for you.