Can I get Life Insurance if I have had Tuberculosis?
If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.
When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.
Mr R, a 37 year old non-smoker contacted us as he required Life insurance and Critical illness cover for the purpose of providing protection for his young family.
Mr R, currently rents a property and wanted to ensure a lump sum would be paid should he die or suffer a critical illness.
However, he had previously experienced problems in arranging life insurance and critical illness cover as he had suffered from Tuberculosis.
Tuberculosis (TB) is a bacterial infection spread through inhaling tiny droplets from the coughs or sneezes of an infected person.
It mainly affects the lungs, but it can affect any part of the body, including the tummy (abdomen) glands, bones and nervous system.
TB is a serious condition, but it can be cured if it’s treated with the right antibiotics.
Specialist Independent Advice
Each Insurance Provider has their own underwriting guide and being totally Independent, we contacted them all to find the best solution. Many wanted to increase the cost of the premiums and some wanted to postpone the application for a period of 3-6 months.
Mr R was pleased that we were able to arrange an Index Linked Life insurance policy of £320,000 and £20,000 of critical illness cover over 20 years, for a monthly premium of £38.99. With no increases made to the premium owing to his past illness.
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.
Interested in related stories?
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- Watch our short video about why a life insurance trust is so important.
- How does terminal illness and critical illness cover differ?
- What Questions will I be asked when i speak to an adviser about Life Insurance?
Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.
Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!
An on-line 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.
Take a look at our handy guides ‘What Cover is Right for me?’
Do you suffer with 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.
Client Ref: 114983016