Life without insurance for cancer patients
three years, as David Elliot said he had a brain tumor, life was never the same, but after a rescue operation for his recovery has been good. But living with the knowledge that cancer can occur at any time in the next 10 years. He is also to reduce their epilepsy pills for the rest of his life.
survived Mr. Elliot, who now think 41, he was the happiest man “on earth” for. But you can not get life insurance.
Elliot and his wife have two year old son, Jack, and in the last year from London to Barnsley, Yorkshire. The family remortgage £ 95,000 with the Woolwich, but David was not able to pay the debt with his own life.
“Woolwich subscribers to tell me the life insurance protection. Jayne has rejected the life and critical illness cover for the entire mortgage,” he said.
The possibilities are very unlikely to find life, if an application made during the first three years diagnosed with a nasty type of cancer or have had a heart attack. If the person makes a full recovery within a specified period, normally up to five years, companies check to make sure again, but the term “shop” in the policy. In some cases this may be as much as 10 times the premium, to condemn others.
For example, a man of the same age who has a certificate of good health and life insurance coverage will be reduced by more than 25 years would be on a mortgage of £ 95,000 to pay a little more than 12 pounds per month with Legal & General.
During the first four years after surgery, someone refused in the life insurance situation Mr. Elliot. After this period, life cover should be available “, but at a heavy price.
was after the signing, a standard rate of 12 pounds per month, in fact, the rise to more than 150 pounds per month, although the additional premium does not necessarily last for the duration of the policy. The insurer will consider only regular premiums, after some ten years after the operation and full recovery
The company that signs the lives of high-risk clients (those who practice extreme sports or medical conditions) is the special risks Bureau (SRB). Maintains a success rate of 70 percent have in placing clients with insurance companies. SRB confirmed for another year before considering a request from Mr. Elliot.
The premiums would inevitably be serious because of epilepsy and there would be an increased risk of mortality than the general population. Unless expressly excluded in cancers of the insurance contract, Mr. Elliot has refused to cover almost certainly is not a critical illness.
As a result of independent financial advice, the Elliot family emergency money six months, effectively rescued a self-insurance.
And there’s good news for David. Alliance & Leicester, the former Banco Hipotecario has allowed 55,000 pounds to get life cover from an existing – albeit at the cost of 45 pounds a month. This is called a guaranteed insurability option (GIO), and the means of insurance it is up to half the original amount of the insurance underwriting, no.
If you need help with these issues in SRB should contact 01245 491417 or specialrisksbureau. com or look for life. co. uk />
It can not only serious health problems, the impact on insurance coverage of life.
Justin Hopwood, media and marketing of Gloucester Rugby Club had rejected his application first because it causes a minor complaint. He and his wife are buying in the process of moving to a new house and decided to life and critical illness insurance as part of the purchase price.
“I have a rare disease called Becker’s nevus, which is only a slight discoloration of a small patch of skin. I was somewhat surprised when Scottish Provident announced they would not give me cancer coverage,” says Mr. Hopwood.
Numerous visits to doctors and the endless phone calls to Scot Prov things finally resolved. Mr. Hopwood Council is all in the same situation, making a request earlier and support with a full copy of your medical records. P>
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