Alzheimers & Life Insurance
Request a Callback
By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.
Caring - Understanding - Reliable - Advice
Alzheimers & Life Insurance
Receiving a diagnosis of Alzheimers for yourself, or a loved one, can make you start to focus upon what the future will bring. For some people, they can start to worry about how their family will cope financially.
It might be that arranging life insurance, now feels like a priority.
When you are diagnosed with Alzheimers, you will find that most insurers in the UK are not able to offer you a traditional life insurance policy.
You can go to our Buy Online options and see the types of life insurance that are currently available to you. The ‘EverydayProtect’ option focused more upon accidental health based claims, but also includes some life insurance once the policy has been in place for 12 months.
If you are over the age of 50, you can see the options for ‘Over 50s’ cover too. These policies exclude claims relating to pre-existing conditions for the first 6 months to 2 years. The policies act as an accidental death insurance during this time and if you do pass away, any premiums you have paid in will be refunded to your loved ones.
You can also look at the ‘Guaranteed Life’ option, however, this policy will exclude any claims that are linked to Alzheimers and any other pre-existing conditions. This is quite an extensive exclusion, please read the terms and conditions carefully.
Please be aware that if you would prefer to speak with one of advisers to arrange life insurance for someone that you know that has Alzheimers, we may only be able to offer advice if you have a financial Lasting Power of Attorney in place.
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
Alzheimers & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
You will not be arrange to a arrange a personal critical illness policy in the UK if you are living with Alzheimers. If you are under the age off 55, you might be able to access a cancer only policy.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Alzheimers & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
You will not be able to arrange a personal income protection policy within the UK, if you are living with Alzheimers. As an alternative you can look at a product known as Accident and Sickness Cover.
This policy is not income protection, but it does protect part of your monthly income if you are ill and unable to work. This type of policy is annually renewable and does exclude claims for pre-existing conditions. This means that they will not pay a claim if you are unable to work due to the Alzheimers, which is a very extensive exclusion, and something you should carefully consider.
To find out more visit our dedicated page for Accident, Sickness and Unemployment Cover.
Alzheimers & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is Alzheimers?
Alzheimers in the main cause of dementia in the UK. Alzheimers is a condition that progressively damages the brain, eventually causing dementia. Alzheimers is often caused by the build up of amyloid and tau in the brain, which start to affect the brain’s ability to function as it used to.
Also: dementia
Linked with: family medical history, Down’s syndrome, diabetes, stroke, heart attack, heart conditions, high blood pressure, high cholesterol, high BMI, depression
Possible Effects on Lifestyle
Some of the symptoms people may experience living with Alzheimers:
- Memory loss
- Misplacing things
- Repeating questions
- Having difficulty following conversations
- Obsessive or impulsive behaviour
- Difficulty sleeping
- Hallucinations
- Changes in mood
- Becoming restless and potentially aggressive
- Incontinence
- Weight loss
- Difficulty eating and swallowing
- Mobility issues
- Loss of awareness of dangers
- Loss of independence
Medications and Treatments
- Acetylcholinesterase (AChE) inhibitors
- Attending fitness classes
- Cognitive rehabilitation
- Cognitive stimulation therapy
- Donepezil
- Galantamine
- Memantine
- Reminiscence and life story work
- Risperidone
- Rivastigmine
- Staying socially active
Further Reading and Research
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Hi, thank you for getting in touch. We don’t actually advise on funeral plans, this is something that you usually arrange directly with a funeral plan provider. We can arrange life insurance policies that pay out a lump sum of money, if you father passes away. These funds can then be used to pay for a funeral or anything else that you need.
If we can arrange a time to chat, we can go through some potential options for you, so that you can compare to funeral plans. We will need to be able to see a lasting power of attorney, to be able to arrange the policy for your dad.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 945 reviews.
Review by Katie and Ashley on 30th September 2026
“Very helpful and great to have someone so the research and finding out for us. Saved a lot of stress and I feel confident we have the right product for us” - 5
You can read more of our reviews here.
- For more information on specific health conditions, pastimes, occupations and countries please select here:
Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
Client Reviews
Talk to a Friendly Adviser
Get a Quote
What We Offer?
- Experienced and knowledgeable advisers
- Specialist advice with no fees to pay
- Full assistance with all of your paperwork
- Put your policy into trust at no cost
- A dedicated insurance adviser for you
Guides & News
Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!
Our Recent Awards
