If there is cancer or heart disease in your immediate family, you may be seen as a higher risk by insurers and this could affect your life insurance cover.

Critical Illness Cover will pay out on diagnosis of a wide variety of illnesses, including if you have a stroke, heart attack or get cancer of certain severity.

Depending on the severity of the stroke, a life insurance policy may payout before death under the terminal illness clause.

You can get life insurance with most mental health conditions, although it depends on the nature of the condition or recent increase in severity.

There are more than 100,000 hospital admissions each year in UK due to heart attacks. If you die due to a heart attack your life insurance policy would pay out.