Can I get Life and Critical Illness Cover after recovering from a coma?

Can I get Life and Critical Illness Cover after recovering from a coma?

Our client

We were approached by Mr R, a 24-year-old gentleman who was in the process of buying his first home. He had unfortunately been in a coma when he was previously serving in the army.

He wanted a life and critical illness policy with a sum assured of £162,000 over a term of 30 years. He wanted the cover in place to ensure that funds would be available to repay his mortgage should he pass away, or suffer a critical illness.

We discussed various options and explained that the cheapest type of cover would be a decreasing term policy. This would cost approximately £20.68 per month.  However, he confirmed he wanted to apply for a level term policy that would provide additional family cover. This would happen as his mortgage balance reduces over time. Although he didn’t require any additional family cover at the time, he felt that it would be required in the future.

The cheapest level term policy was quoted at £27.05 per month. We explained that the most comprehensive critical illness policy, covering 80 medical conditions, would cost around £32.21 a month.  Recommending that he consider the most comprehensive policy affordable and he agreed.

Medical History

However, our client had an unusual medical history. Whilst serving in the Armed Forces prior to 2013 he suffered internal injuries. His vehicle was hit by an IED blast in Afghanistan. The injuries caused his internal organs to shut down and he went into a coma.

Coming out of the coma

Following treatment in Germany, he made an amazing recovery from his coma and injuries. He was subsequently medically discharged from the Army. Since then he has retrained as an electrical engineer and now has a successful career. So much so that he is now able to buy his first home at a relatively young age.

It wasn’t possible to obtain an immediate underwriting decision due to the unusual nature of his medical history. An application was submitted to an insurance provider for life and critical illness cover. They requested medical information from his GP so that they could fully assess his medical history.

Our process and advice

At Future Proof, we have access to specialist insurance companies that don’t deal directly with the public. These companies offer more specialised policies, designed to provide cover where other major providers can’t.

Our research process involves us contacting many insurers to find out the best possible outcome for our clients. Which avoids any nasty shocks later on during the underwriting process.

Would the insurer add a ‘loading’ to their standard premium? (this is an additional sum charged on top of their standard monthly premium to reflect their additional risk). Or, exclude a condition?

Might they decline the application? We want to avoid wasting time by making applications that may be declined.

We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK. Future Proof is committed to thorough research so that you don’t have to. What’s more, our advice comes at no obligation and with no hidden costs.  You don’t pay us directly but we do get paid by the insurer if you decide to start a policy with them

The Outcome

Initially, the Insurance Provider felt that they would not be able to provide cover. This was due to the seriousness of his medical history including the coma. Understandably, our customer was upset to be declined insurance. Especially, considering that he now works full-time in a physically demanding role.
He contacted the Insurers Underwriting Team directly to discuss the reason for their decision. It transpired that his GP had omitted to include the results of recent liver tests which showed that his liver function is within normal parameters.
The Insurer agreed to review its decision. Considering the new evidence provided by our client and his GP, they have now offered him the full amount of cover. The premium was loaded by 50%, so the final monthly premium is £46.20. Our client was happy to have obtained the full insurance he needed at an affordable premium.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example. Which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

All our case studies are based on actual client scenarios, many of which pre-date 2020.  We are confident that the acceptance decision made by the insurers would still be offered. Although it is likely that the rates will have changed. Your own circumstances will determine whether what amount will be payable by you and would be fully discussed with you before any plan is implemented.

Client Ref: 109828989

Next steps

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.


Please feel free to read our Independent client reviews, or read about the team at Future Proof

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Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Links to third-party websites exist for information only. We accept no responsibility or liability for the information contained on any such sites.
The existence of a link to another website does not imply or express
endorsement of its provider, products or services by us or St. James’s Place.

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