Neurological Disorders & Life Insurance
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We understand the impact of having a neurological disorder, 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.
Things we need to know to get started:
- When were you diagnosed with having a neurological disorder?
- Do you take any medication for this?
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 sclerosis 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 controlled. 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 strong 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.
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.
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.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
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.
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).
There are sometimes options that can be looked at. It’s really important to know what stage your Parkinsons has reached, the types of medications you take, if you are due any surgery, and the symptoms that you experience. There can be options for critical illness cover, but they are most likely the milder that your condition is.
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