Pacemaker

In a normal, healthy heart, the natural pacemaker of the heart is a small mass of specialised tissue. This sets the rhythm of contraction and relaxation by sending out an electrical impulse which leads to an effective heart beat and pumping of the blood around the body. An artificial pacemaker is a device that uses electrical impulses to reproduce or regulate the normal rhythms of the heart.

What information should my client provide?

Your customer should complete General medical disclosures fast-track questionnaire

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
Pacemaker for heart block*	Standard Rates to 75%	50% -150%	50% - 200%
Pacemaker for sick sinus syndrome*	50% -100%	75% upwards	Decline
Pacemaker for ischaemic heart disease*	Terms will vary, please contact Underwriting to discuss	Decline	Decline

*An initial postponement period of three months for Life Cover and six months for Specified Illness and Income Protection Cover from the time pacemaker is inserted will apply.

Please note that likely acceptance terms are indicative only and case are subject to full underwriting.