Aneurysm & Life Insurance

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Aneurysm & Life Insurance

Aneurysm & Life InsuranceWe know that arranging life insurance can sometimes feel stressful. There are so many insurers to choose from and then when you have a medical condition, it’s hard to know where to start.

We have trained our advisers to help you to not just get life insurance, but to also understand your health and know which insurer is going to be right for you. We stand out from other advisers because we go through your medical history with you and speak with insurers, before you even need to do an application.

This means that you have a good idea as to how the insurer will assess your life insurance application.

When you contact us will usually ask you:

  • What type of aneurysm that you have?
  • How many aneurysms have you had?
  • When were you diagnosed with this?
  • Do you know the size of the aneurysm?
  • Have you had surgery to treat the aneurysm?
  • Do you take any medication?

Your options for life insurance will be affected by a few things. The size and location of your aneurysm will have a significant influence upon the best insurance for your life insurance and the price that you will pay.

It is quite likely that where life insurance is offered to you, that the premium is increased due to your health. Life insurance in itself is quite cheap so whilst an increase is never pleasant, it is often not as bad as people think. We offer no obligation quotations so please do feel free to ask us for the potential cost, there is no hardship in doing so.

You will probably find that if you are due to have surgery for the aneurysm that most insurers will want to wait until after your surgery to consider your life insurance application. They will often want to see that you have fully recovered from the surgery and they might say that you need to wait 6 months post surgery to apply for life insurance.

There can be times when insurers will decline your life insurance based upon details of your aneurysm. This is some insurers, not all of them. We are experts in finding the right insurer for you, from the start. Get in touch with us today.

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.

The type and size of your aneurysm will be key factors in arranging critical illness cover for you. If your aneurysm is very small and has not ruptured you might be able to arrange critical illness cover on the standard market.

It is quite likely that you will need to apply to specialist insurers for critical illness cover if your aneurysm is in your brain or heart. There can be exclusions with these types of policies and we strongly suggest that you speak with an adviser before arranging them.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Your options for income protection will depend upon the type of aneurysm that you have been diagnosed with, the size of it and the treatment that you have taken.

There can potentially be more options for you with income protection, than there are for critical illness cover. Income protection can be built in many different ways and this can work  really well for someone that has had an aneursym.

You may find that claims related to your aneurysm are excluded from some income protection policies. We will explain all the options to you so that you can make a clear decision about what feels right to you.

Whenever you take out travel insurance you should make sure that you are fully covered, with having had an aneurysm in the past. Visit our dedicated page for specialist travel insurance.

What is an Aneurysm?

An aneurysm is a bulge in a blood vessel. Over time the pressure of blood flowing through the vessel causes the aneurysm to bulge and grow. A lot of the time an aneurysm is not necessarily known about, but is discovered when it ruptures. Women are more likely to experience a brain aneurysm and men are more likely to experience an abdominal aneurysm.

Also: Brain aneurysm, abdominal aortic aneurysm, intracranial aneurysm, cerebral aneurysm, thoracic aortic aneurysm, pseudoaneursym

Linked with: high blood pressure, cocaine use, high cholesterol, atherosclerosis, chronic obstructive pulmonary disease (COPD), severe head injury, coarctation of the aorta, autosomal dominant polycystic kidney disease, Ehlers-Danlos syndrome, Marfans syndrome

Some people that have had an aneurysm may experience some or all of the following long term symptoms:

  • Headaches
  • Numbness on one side of the face
  • Pain above or around the eye
  • Pulsing feeling in the stomach
  • Short term memory
  • Tummy pain
  • Visual disturbances
  • Abdominal aortic aneurysm repair
  • Abdominal aortic aneurysm screening
  • Blood pressure medication
  • Cholesterol medication
  • Endovascular coiling
  • Neurosurgical clipping

Common Questions

Hi, thank you for getting in touch. I’m sorry that you have been declined life insurance. It’s not easy to say that a specific insurer is the best for people that have a brain aneurysm. There are a lot of things that will influence the right life insurance policy for you. Let’s have a chat.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 734 reviews.

Review by Andy and James on 10th August 2023

Excellent service as always, Cura Insurance always go above and beyond to ensure they meet your requirements. Thanks. - 5 

You can read more of our reviews here.

Aneurysm & Life Insurance

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

Aneurysm & Life Insurance

Client Reviews

Aneurysm & Life Insurance

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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