Migraines & Life Insurance
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We appreciate that having migraines can have a big effect on your day to day life but rest assured, they don’t always have a big effect on your insurance options.
Things we need to know to get started:
- When were you diagnosed with having migraines?
- How frequent are your migraines?
- Do you take any medication to control these?
- Have you had any time off work because of them?
When you apply for Life Insurance, migraines will need to detailed to the insurer including the strength and frequency of your migraines, any investigations that have been completed and the resultant diagnosis, and methods used to control the condition. If your migraines are infrequent and rather mild it is possible that you could secure life insurance at standard terms.
Migraines that are more frequent and have stronger symptoms may result in your application being accepted at special terms (increased premiums). Where investigations have been conducted the insurer will want to know if any secondary/contributory illnesses have been diagnosed, or if the results came back all clear. Where results have shown no secondary conditions, terms for life insurance are likely to remain at standard rates, where additional conditions have been identified it is possible that your policy will be accepted at special rates.
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.
When you experience migraines, critical illness cover applications will be reviewed in a similar way to Life Insurance. The insurer will be interested in the regularity and strength of flare ups, medications used to control the condition and the results of any investigatory tests that have been completed.
Critical illness cover may be accepted at standard terms if your migraines do not occur frequently and the symptoms are considered mild. Where the condition occurs regularly and has stronger symptoms, you may find that the insurer offers you rated policy terms, which will mean an increase to the policy premiums.
It is possible that you will have Total Permanent Disability removed from the Critical Illness policy claims set, this should be of no concern as this is a small aspect of the policy and its removal does not outweigh the benefit of the other illnesses that remain covered. If investigations have shown that the migraines are due to a secondary condition your application acceptance will be highly dependent upon the secondary diagnosis and could see the policy accepted at rated terms or in more severe cases declined.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
For those with migraines an income protection policy can be available at standard terms if your condition is well controlled, you have infrequent attacks and there have been no significant absences from work.
Where the condition has caused noted sickness absence from employment, the symptoms are strong or routine tests have shown a secondary cause for their onset, your application is likely to be accepted at special terms. This may involve an increase to the policy premiums or an exclusion for any claims related to your migraines and related conditions.
What are Migraines?
Migraines are a debilitating experience that can cause a whole host of uncomfortable symptoms. Migraines are classed as occurring with aura, without aura or without headache (silent migraine). This means that a migraine can be pre-empted by changes in physical sensations before the onset of a headache, a headache with no warning or the experience of pre-migraine symptoms with no resultant migraine. A migraine will typically last between four hours and three days and will often require the affected to rest in a dark room away from noise, light and smells that can aggravate symptoms.
Also known as: Endolymphatic hydrops
Linked with: Tinnitus, vertigo, stress, depression, anxiety
Some potential problems experienced by individuals who have migraines include:
- Increased sensitivity
- Visual problems
- Extended bed rest
- Difficulty with bright or flickering lights
- Difficulty with strong smells
- Dietary restrictions
- Aversion to some medications
Most likely yes. Even though you’ve not had a migraine for a while, the medication will need to be disclosed, with most insurers. It also depends on how often you need to take the medication. If you are having to take your medication weekly to prevent the migraines, it may be that the insurer will ask your permission to see a report from your GP to confirm your treatment.
Cura Financial Services has been rated 5 out of 5 based on 467 reviews.
Review by Elizabeth on 18th March 2021
“Having been refused life insurance through another broker, I contacted Cura who have been helpful and efficient. Their advisors were friendly, called at the arranged time and kept me updated with any progress. I can’t fault the service and would recommend.” - 5
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