If you've had a heart attack, you should still be able to get life insurance cover - but again you may find fewer options available to you and insurers are likely to charge higher premiums. This is because insurers see those who have had a heart attack as higher risk.  When the heart attack occurred How severe it was If you required any surgery If you’ve had a stent fitted If you’ve been prescribed any medications If you’ve had any symptoms since your heart attack If you've had a heart attack in the past, you can improve your chances of getting a good deal on life insurance by showing evidence of a healthy lifestyle. So, if you smoke, you may be able to expand your options by giving up. Similarly, you can reassure insurers by cutting down on alcohol or losing weight.