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You may have found it difficult to secure life insurance with Dystonia Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.
Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.
Having Dystonia can affect how underwriters will look at life insurance, critical illness cover and income protection for an individual which will be based on:
The Insurance Surgery is a leading insurance expert for anyone classed as non-standard by underwriters which may result in other requirements such as GP reports, medical records or specialist reports to assess your application. For Dystonia life insurance, critical illness cover and income protection there will be a need to produce some medical evidence and to disclose further information.
If you have been diagnosed with a pre-existing medical condition such as Dystonia and you need critical illness cover then you will need to provide additional information and evidence to insurance underwriters to assess your application. The standard process for a Dystonia critical illness cover application is when you have disclosed your condition that you will be asked to provide a medical report from your GP or specialist.
Having Dystonia can have an impact on whether income protection will be available to you or not depending on how severe your symptoms are and whether you have had to take much time of work because of your condition. Dystonia income protection can be difficult to get because of the additional risks relating to the ability to work and potential issues that a person with Dystonia may experience.
The potential impact that having Dystonia can have on life insurance premiums can vary from an increase to the premium that you pay, special terms or even a potential decline in more severe cases. Generally in the vast majority of applications that we have seen for Dystonia life insurance there is a requirement to provide some medical evidence in the form of a medical report from your GP or specialist to support your application.
Underwriters will assess your condition to be able to offer terms for Dystonia life insurance based on several key factors which will include:
When you were diagnosed with Dystonia
Severity and frequency of your symptoms
Whether you have had any surgery and when that was
Which medication you are currently taking and what dosage
Whether you have had surgery for coarctation of the aorta
Whether you smoke
The impact your condition has on your job
If you have applied for Dystonia life insurance in the past and your application was offered on special terms (e.g. rated premiums) or if cover was declined then you should speak to one of our experts. The Insurance Surgery also has access to a number of specialist life insurance products which may be more suitable if your condition is more severe and therefore cover for Dystonia life insurance is not available through the standard markets.
If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.
We take pride in the experience that we offer, guaranteeing excellent service at all times.
With 25 years of specialist life and protection experience, we can find the perfect policy for you.
With a broad selection of partners, we are well-equipped to find the best insurance deals for you.
Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.
Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.
For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.
Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.
Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.
Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.
James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.
We found James Life Insurance & Critical Illness Cover below:
Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.
We found Jean the Level Life Insurance below:
We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.
Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.
Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.
If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.
The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.
Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.
Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.
We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.
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