The majority of our life insurance applications are issued at standard rates less any discounts we apply ( typically up to 10% for life insurance)
In certain cisrcumstances, applicants may have existing medical conditions and insurers will make further enquiries of you and possibly your doctor to understand the risks associated with your condition.
Where a life insurance company is not satisfied with the risk, they may decline or pospone offering cover until furrher infromation is available or the results of some future tests are known.
In most instances we are able to arrange cover, Sometimes this cover may be quotes at a rate higher than standard rates.
Cover is often provided on a loading basis and each case is treated on its own merits. As you would expect cover depends on the severity of the condition and how well it is managed.
Examples of medical conditions where loading may apply include:
- Heart disease
- Blood pressure
- Back problems
- Irritable bowel Syndrome
- Breast lump or cyst
- Kidney disorders
- High Cholesterol
- Multiple Sclerosis
- Coeliac Disease
- Crohn's disease