What is Brittle Bone Disease Life Insurance?
Anyone living with a pre-existing medical condition such as Brittle Bone Disease who is looking for life insurance will be required to provide additional information about there condition for insurance underwriters to be able to accurately assess their applications. Most cases we see for Brittle Bone Disease life insurance are required to be supported by a full medical report so that the insurer can view the full history as it can be a complex condition.
Most applications for Brittle Bone Disease life insurance will be reviewed on an individual case by case basis by an insurance underwriter and terms offered will be based on several factors, such as:
What age you were when you were diagnosed with Brittle Bone Disease
Which type of Brittle Bone Disease you suffer from
How severe are your symptoms / what effect on your joints
Type of treatment / medication
Any hospital admissions or time off work
There are several insurers we can approach for Brittle Bone Disease life insurance who will offer cover in most cases and can be from a moderate rating up to decline depending on the severity of the condition. Due to the degenerative nature of Brittle Bone Disease and life insurance underwriting you will find that almost all cases will incur some sort of a premium loading and the level of the rating will depend on your own individual circumstances.
The Insurance Surgery also works with several specialist insurers who offer various products that may be more suited to people looking for Brittle Bone Disease life insurance and especially if you have had trouble getting cover in the past
How Brittle Bone Disease insurance works:
If you have been diagnosed with Brittle Bone Disease and you need life insurance or any other personal protection cover to protect yourself, your family or your home then you will need to provide additional information about your health, such:
Age when diagnosed with Brittle Bone Disease
Type of Brittle Bone Disease
Effect on daily living / activities
How much time off work
Any other medical conditions
Critical Illness Cover
In almost all applications we see for Brittle Bone Disease critical illness cover unfortunately this type of policy is not currently available due to the potential related risks of other serious illnesses and how this cover works. There are some rare occasions where Brittle Bone Disease critical illness cover is considered by certain insurers so it is still worth asking the question and we will always try our hardest to get cover where there is a possibility.
Underwriting criteria and variations of products are constantly changing so there may also be a possibility that things have or could change for your type of Brittle Bone Disease critical illness cover.
Income Protection Insurance
As with critical illness cover, Brittle Bone Disease income protection is generally not available due to the additional risks relating to this type of condition. There are a number of related risks to Brittle Bone Disease and occupational issues which underwriters will take in to consideration and hence why this type of cover may also not be available.
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.
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.
Life Cover Terminology
Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Useful Links
If you have been diagnosed Brittle Bone Disease and you need life insurance, critical illness cover or income protection to protect yourself, your family or your home then you should contact one of our team of experts. Our trained advisers know which insurers are best for Brittle Bone Disease life insurance, critical illness cover and income protection so we can help to find you the right cover and save you money.
