Life insurance with epilepsy and fibrous dysplasia

Life insurance with epilepsy and fibrous dysplasia

Our Client’s situation and requirements

Mrs N, a 51-year-old woman had arranged some life insurance to protect her mortgage. However, she realised that her policy would expire five years. This is before her repayment mortgage ends and was therefore incredibly concerned. Both she and her husband have chronic health problems, plus they have a son with serious special needs.

Mrs N wanted to make sure her mortgage was fully protected. She wanted a policy in place which would provide family protection for her son. The term would be based on how long they could afford the policy.

The mortgage had an outstanding balance of £80,000, over a remaining term of 13 years on a repayment basis.

Medical Health

Mrs N had been suffering from epilepsy from her early teens. When she was first diagnosed, her epilepsy caused her to lose consciousness. She felt that this condition came about as a result of having had meningitis at birth.

Epilepsy is a common condition which affects the brain and causes frequent seizures.

Seizures are bursts of electrical activity in the brain that temporarily affect how it works. They can cause a wide range of symptoms.

Epilepsy can start at any age but usually starts either in childhood or in people over 60. It is often deemed a lifelong condition but can sometimes improve over time.

Unfortunately, Mrs Ns epilepsy had caused further complications. She developed a benign tumour in her bone since arranging her existing policy. This was called a fibrous dysplasia whereby scar-like (fibrous) tissue develops in place of normal bone.  She had the tumour removed and underwent reconstruction surgery but felt that she would be uninsurable after this.

Our process and advice

Undeterred, we felt that we could use our wealth of insurance and medical underwriting knowledge to help Mrs N obtain the cover she needed.
Once we had a good understanding of her situation, requirements and medical history we started our research process.

This involves us contacting many, and in some cases all, of the UK’s leading insurers to discuss our client’s requirements. The purpose of this is to establish how they might treat her application.

Would they add a ‘loading’ to the premium? (this is an additional amount on top of the standard quoted monthly premium to reflect their additional risk)

Will they exclude certain conditions?

Might they decline an application altogether? We want to avoid wasting time by making applications which may be declined.

 The Outcome

We approached all of the insurance providers to get an indication of terms they may offer Mrs N, which was very interesting as some felt they would have to apply large increases on top of the quoted the premium of up to 225%! However, there were others who felt the medical disclosures would not warrant an increase.

Each insurer did confirm that they would need to obtain further medical information from her GP.

Mrs N was relieved that some insurers would not consider raising her premium. Once the medical information from her GP had been received, one insurer decided that they would not increase her premium.

Mrs N was very happy that we were able to offer her a level term life or earlier terminal illness policy, with a sum assured of £150,000 until the age of 70, which provided additional family cover for a monthly premium of £26.28.

 Client no. 143177175

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.

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, and 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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