What Is Autoimmune Disorders Life Insurance?
The Insurance Surgery is a top insurance specialist for people who have pre-existing medical conditions such as Autoimmune Disease who are looking for life insurance, critical illness cover or income protection. It can be difficult to know which insurance providers are best when you have been diagnosed with a medical condition but it is still just as important to make sure that you have the right cover, such as Autoimmune Disease life insurance.
If you have been diagnosed with an Autoimmune Disease such as, Autoimmune Hepatitis, Diabetes, Multiple Sclerosis or Arthritis then you should speak to an expert about your life insurance needs.
There is a vast range of Autoimmune Disease conditions and severity levels and therefore underwriting for Autoimmune Disease life insurance can vary drastically from one provider to another.
It is very possible to get Autoimmune Disease life insurance at insurers standard rates with no requirements for additional underwriting or GP reports if your condition is well controlled with no other issues.
We see a large percentage of Autoimmune Disease life insurance applications that are underwritten based on the information provided on the application forms and either with no additional loadings to premiums or just a small loading.
Underwriters when assessing applicatiosn for Autoimmune Disease life insurance will require you to provide additional information such as:
What type of Autoimmune Disease you have been diagnosed with
When you were diagnosed with your Autoimmune Disorder
Your latest readings or levels
General health and any other medical issues
In some cases where the condition is too complex or if the condition is too severe then you may need to provide access to your medical records for underwriters to accurately assess your Autoimmune Disease life insurance application.
If you have an Autoimmune Disorder and you need life insurance but have struggled in the past then you should contact the experts at The Insurance Surgery for more information.
Our team of specialists know which insurers are best for various medical conditions and will direct you to which company is best for you.
How Autoimmune Disease life insurance works:
If you have been diagnosed with an Autoimmune Disease and you need life insurance to protect your loved ones then you will need to disclose additional information abtou your condition, such as:
Date you were diagnosed
Type of Autoimmune Disease
Medication (including dosage and type of medication)
Any hospitalisation
Your current state of health
Our team of expert advisers has worked with thousands of individuals with pre-existing medical conditions, such as an Autoimmune Disease to find the best cover to protect themselves, their family, their homes and businesses. If you need to find a life insurance policy and have an Autoimmune Disease then you should contact The Insurance Surgery to see what we can do to help.
Autoimmune Disease Critical Illness Cover
Underwriting for an Autoimmune Disease critical illness cover application can vary even more than for life insurance due to the complex nature of how critical illness cover claims work and how broad the spectrum of Autoimmune Diseases is. More recently we have seen major improvements in underwriting decisions for critical illness and various Autoimmune Disease which we expect to continue to move in that direction.
Some Autoimmune Disease were historically not possible to get critical illness cover for but are now either possible to get cover for or even more favourable, such as Crohn’s Disease for example.
Autoimmune Disease Income Protection
Income protection for an Autoimmune Disorder is possible to get cover in some cases where the condition is mild to moderate and well controlled. The majority of Autoimmune Disease income protection applications we see are slightly more difficult to get cover for because of the severity and complications so it is not always possible.
Coarctation of the Aorta life insurance
Underwriters assessing life insurance for those with coarctation of the aorta will consider the following:
Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:
Your current weight and lifestyle
The date of your initial diagnosis
Whether you have had surgery for coarctation of the aorta
The impact your condition has on your job
Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.
Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.
However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.
At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.
