May 9, 2018

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Can I get Life Insurance with Sarcoidosis?

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.

Our process

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.

Our Clients health details

Our client is a 67 year old lady, who was looking for life insurance to protect her husband in the event of her death.

She had been diagnosed with Sarcoidosis having been referred for investigations after having Uveitis (eye condition).

Uveitis is inflammation of the middle layer of the eye. It can cause eye pain and changes to your vision.

Symptoms of uveitis include:

eye pain – usually a dull ache in or around your eye, which may be worse on focusing
eye redness
sensitivity to light (photophobia)
blurred or cloudy vision
small shapes moving across your field of vision (floaters)
loss of peripheral vision (the ability to see objects at the side of your field of vision)

The symptoms can develop suddenly or gradually over a few days. One or both eyes may be affected by uveitis.
Uveitis often occurs in people who have an underlying autoimmune condition including Sarcoidosis.

Sarcoidosis is a rare condition that causes small patches of red and swollen tissue, called granulomas, to develop in the organs of the body. It usually affects the lungs and skin.

The symptoms of sarcoidosis depend on which organs are affected, but typically include:

  • tender, red bumps on the skin
  • shortness of breath
  • a persistent cough
  • For many people with sarcoidosis, symptoms often improve without treatment within a few months or years. For these people, the symptoms aren’t usually severe.

Sarcoidosis is estimated to affect about one in every 10,000 people in the UK. There is currently no cure.

The two main symptoms of Ssarcoidosis are shortness of breath and a persistent dry cough. Some people with pulmonary sarcoidosis experience pain and discomfort in their chest, but this is uncommon.

Our client no longer needed any treatment such as an inhaler and has no symptoms as mentioned above.

The Outcome

People with Sarcoidosis usually have their Insurance premiums increased by 50% even if their symptoms are mild.

Owing to our clients history, we were able to help her arrange £15,000 of life cover over a 31 year term on standards terms with no increase to the monthly premium . Her premium cost £16.28 per month.

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.

Client ID: 129163390

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Next steps

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.

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 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.

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