Neurological Disorders & Life Insurance
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Applying for Life Insurance with certain neurological disorders should cause no major concern, especially if you use a reputable insurance broker who can search the market for the best provider for you. Your application is likely to require additional consideration by the insurance provider and will probably involve a report from your GP. This is a normal process and is simply a requirement of the Insurance Provider so that they can establish how your condition affects your general health.
For conditions such as Parkinson’s disease and multiple scleorisis you are likely to receive a “loaded” premium due to your medical condition . Other conditions such as epilepsy and migraines can be accepted at normal terms (no price increase) if well controller. An indication of the amount of premium increase that you could be looking at is included in the explanation pages through the links below. Should there be any additional complications with your medical history and/or your symptoms are too severe your application for insurance may be declined.
Some conditions such as Alzheimer’s disease, dementia and motor neurone disease can be very difficult to obtain life cover for however this does not mean that you should not enquire. Even if normal life cover cannot be offered many people are able to cover funeral costs by means on Guaranteed Over 50s Life Cover that does not need medical questions answering.
Milder conditions such as certain forms of epilepsy and migraines should not cause any issues for people looking into Critical Illness Insurance. Many neurological conditions however such as Parkinson’s disease and multiple sclerosis will make obtaining Life Insurance at this time impossible.
Similarly to Critical Illness Insurance, an application for Income Protection with a neurological disorder will largely depend on your specific medical condition is likely to result in loaded monthly premiums or a decline to offer cover.
What are Neurological Disorders?
Neurological disorders are classified as any condition that affects the body’s nervous system; the brain, spinal cord and other nerve points. Neurological disorders can be caused by a genetic disposition, lifestyle or environmental factors. Such disorders are often lifelong conditions that can have clear impacts upon the daily routines and activities of the diagnosed.
Below is a list of neurological disorders that need to be disclosed on any Life Insurance, Life and Critical Illness Cover and Income Protection application.
- Alzheimer’s Disease
- Arteriovenous Malformation (AVM)
- Asperger’s Syndrome
- Bell’s Palsy
- Brain Tumour
- Cerebral Palsy
- Chronic Fatigue Syndrome
- Duchenne Muscular Dystrophy
- Guillian-Barre Syndrome
- Head Injuries
- Huntington’s Disease
- Meniere’s Disease
- Motor Neurone Disease
- Parkinsons Disease
- Spina Bifida
- Tourettes Syndrome
Any and all of the above conditions must be disclosed upon Life, Life and Critical Illness or Income Protection policy that you apply for.
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