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Post-Covid underwriting rules for life cover

Life insurance and post-Covid rules updated

Many of the extra rules and restrictions for life insurance and income protection that were put in place due to Covid have now been removed.

This means that many people who were told that they simply could not get life cover since March 2020 may now be eligible. Some of the main medical conditions that were affected by the extra restrictions included:

Insurers have faced increasing pressures to remove many of their limits since the government began to relax its rules, plus the vaccination program.

People in the UK have now been offered an opportunity to ensure that they have proper life cover in place, regardless of any pre-existing conditions. Many people with moderate to severe symptoms of chronic conditions found themselves in limbo, unable to access proper life insurance.

For anyone who has applied for life insurance since March ’20 or prior to that and has not been able to get cover, it may now be worth reviewing that again.

Other issues that people have encountered through lockdown

Managing health and diet

Diet: many of us have simply not managed to maintain the same diet that we would have had prior to lockdown. It’s very easy in difficult circumstances to let your diet slip which could have other implications, especially for conditions such as diabetes.

Exercise: with gyms and sports facilities forced to close, it has become increasingly difficult to take regular exercise in the same way as before. There has also been a global shortage of home gym equipment meaning it became extremely difficult to keep fit.

GP support: most GP’s were simply unable to perform regular check-ups and reviews in the same way or frequency as before. Treatments were also affected by the pandemic meaning that most patients were unable to access the care that they would have had normally.

Medical care: many routine treatments would have been canceled or postponed through the pandemic, meaning that people’s health was affected. A big example of this was nearly 50,000 people with outstanding cancer treatment in June 2021.

What has changed in life insurance?

Some of the biggest rule changes that have happened in the past few weeks include:

BMI levels: some providers have now increased their BMI restrictions to be similar to what they were before Covid and are now a Maximum of 53 (pre-Covid was 55)

Blood sugar levels: these were reduced through Covid to approximately 8.9 with most insurers and are now back up to approximately 10.9 on some specialist products

Vaccinations: some insurers are now asking for double vaccinations where high-risk conditions are disclosed

For more information, you can contact any of our team of friendly life insurance experts on 0800 009 6559

How can I get cheaper life insurance after Covid?

It’s now possible to reduce your life insurance premiums by returning to your previous health regime or even better. It can be difficult to break some of the bad habits of the past 18 months, but that can be a key to getting the best cover.

In many cases, people who have suffered from health problems or mental illness through the pandemic, things can improve gradually.

Most of us can do the following:

  • Better diet
  • Take more regular exercise
  • Visit GP
  • Treatments
  • Medications

Most of these will have a positive impact on the amount that you might pay for life cover.

Does the vaccine affect life insurance premiums?

This is a major question and something that will no doubt evolve over the coming months or even years.

Currently, some insurers will ask if you have had a vaccination only if there is another associated condition that could be impacted. If you are seen to be a higher-risk individual then it might be relevant to your application.

We will be covering this in more detail in future blogs.

What if I haven’t seen my GP due to Covid?

If you’ve not been able to visit your GP through the pandemic then you might need to do so for a number of reasons:

  • Get up-to-date readings (e.g. blood sugar levels, blood pressure, etc.)
  • Update treatments
  • Mental health support
  • Reviews or investigations

If you do have outstanding investigations then that can be a reason for insurers to postpone life cover.

Also, if you haven’t had a reading for over 18 months for certain things then that can be an issue in some cases.

Sarcoma awareness month 2021

Sarcoma awareness month 2021

The month of July is Sarcoma Awareness Month to raise awareness for the rare form of cancer.

Sarcomas are one of the more rare types of cancer that most commonly affect your arms, legs, and back of the abdomen. They can affect nearly any area of the body, this can be either outside or inside.

According to Sarcoma UK, each day there are approximately 15 people diagnosed with sarcoma. That means around 5,300 people every year in the UK are diagnosed with sarcoma.

About Sarcoma Awareness Month 2021 – tenth anniversary

Sarcoma UK and Sarcoma Trust joined in 2011 to become the new sole charity for sarcoma patients, carers, and relatives in the UK.

Fast forward 10 years and this incredible charity has given over £4.3 million invested in medical and scientific research. This astonishing sum has helped to support 2,500 people through their UK helpline, and sarcoma specialist centers.

At iam|INSURED we are experts in helping people with all types of cancer to get life cover.

Life insurance can protect your family if you are diagnosed with sarcoma and you can get life cover after a sarcoma.

It is important to make sure that you have adequate protection for your family if you are diagnosed with cancer and after diagnosis. There are lots of different life insurance products, including critical illness cover, income protection, and health insurance.

Getting the right cover can be a great way to put your mind at ease and ensure that your family is properly protected.

Related articles:

Life insurance and sarcomas

Cancer life insurance

Covid update – Life insurance limits

Going, going… gone – the end of Covid limits for life cover

Life insurance has been limited for many since we first heard the word ‘Coronavirus’ at the beginning of 2020. Insurers around the world have all been scratching their heads and trying to work out how much they will be impacted by Covid.

Some insurers have been more cautious than others but overall, life insurance options have been limited for customers with pre-existing medical conditions.

Every insurer in the UK reacted to the pandemic within the first several months by restricting underwriting. This ultimately meant that certain people with medical conditions including severe diabetes, heart conditions, cancer, strokes were unable to access cover.

Does this mean I can now get life insurance for my family?

You might now be able to get life insurance to protect your family or your home if you’ve struggled over the past 12 months. Life insurance limits have been reduced during the pandemic to help protect people who already have cover.

If you’re still concerned about what might happen to your family if you pass away then you should check the current limits.

Most families have still been able to get cover during the pandemic which is positive, however, this hasn’t been the case for everyone. If you’ve got a pre-existing medical condition then you might have had problems getting cover.

What is life insurance underwriting?

Every life insurance policy sold in the UK goes through an underwriting process. This can either be online through an application or manual underwriting which is completed by a human.

Each insurer has its own underwriting criteria that mean they will view certain risks differently.

How does life insurance underwriting affect me?

If you have a pre-existing medical condition such as diabetes, cancer, or heart disease then you would go through an underwriting process. This might be an automated online process or a manual process through an underwriter.

Every insurer has its own underwriting criteria which are how they view risks such as:

  • Pre-existing medical conditions
  • High-risk occupations
  • Dangerous activities

This means that some insurers might be better for you than others because of how they view certain risks.

How has life insurance underwriting changed post-Covid?

This week has seen yet another life insurance provider remove some of the restrictions that they had imposed for Covid. We are now seeing a relaxation of the limits and rules that have been imposed by insurers since March ’20.

You should now find that you will have a greater choice of insurers and increasingly be getting more options.

Some of the main things that have changed over the past couple of weeks include:

  • Higher upper age limits
  • Increase on risk restrictions
  • BMI levels increased
  • Medical conditions limits increased

We are now finding that we can get more people covered than we have been able to since the beginning of the pandemic.

Is life insurance the same as it was before Covid?

No – unfortunately, there are still some limits in place that are not the same as they were before Covid. Even though things have improved, it’s still not quite the same levels of tolerance to what they were previously.

You still might find that some insurers are cautious when it comes to life insurance underwriting. This isn’t necessarily a big problem as you should still have other options, even though the choice might be limited.

Is life insurance more expensive because of Covid?

No – life insurance rates have not changed during the pandemic so you should still be paying the same or similar premiums.

We still aren’t sure whether life insurance rates might change in the future but they are still very similar at the moment. Some of the things that could impact premiums in the future could be increased claims figures or higher processing costs.

Life insurance rates have gradually dropped over the past two or three decades to where they are today. This is because of greater competition in the industry and improvements to efficiency levels.

Can I get life insurance if I’ve been refused during Covid?

It is possible for people to get cover now who have been refused or postponed cover through the pandemic. Covid restrictions might now mean that you are now able to get a policy where previously it was declined.

If you were refused or postponed cover through the pandemic then you should review the situation now to see if anything has changed.

Does the vaccine affect life insurance premiums?

No – currently there is no difference in life insurance premiums or underwriting for people who have had the vaccine.

When you apply for life insurance currently you will be asked questions about Covid that are the same now as they have been for the past 12 months.

Covid questions include:

  • Have you been tested positive for Covid in the past 30 days?
  • Been advised to self-isolate
  • Had a new or continuous cough, and/or high temperature
  • Lost your sense of taste or smell

Ultimately if you have had Covid or symptoms of Covid in the past 30 days then you will just need to wait for a short period of time.

What happens next?

Life insurance has been impacted by Covid as much as many other services, especially those connected to medical conditions. As the world returns to normal we should see a similar trend towards some kind of normality with life insurance.

It may still take several months from now to return to where we were before Covid or at least close to that state.

Life insurance Covid claims 2020

Covid life insurance claims hit £202million in 2020

Recent figures from the Association of British Insurers (ABI) show that just over £200million was paid out in 2020.

Tragically over 74,000 people lost their lives in 2020 in the UK because of Covid-19.

The life insurance industry has been brought into the spotlight recently due to dramatically increased claims from Covid related deaths.

It is suggested that there were just over 10,000 claims on individual life insurance policies and over £550,000 per day was paid out.

Life insurance has always been the most reliable way to protect your family’s financial future should anything happen. Covid has highlighted the importance of proper financial protection and what could happen if nothing is in place.

When we think about Covid-19, we generally think about vulnerable people living with pre-existing medical conditions.

The life insurance industry now needs to do more to help protect those people in the future and their families. Covid has helped to remind us of how fragile we can be and what could potentially happen in extreme situations such as this.

Headline life insurance figures for Covid-19 in 2020

Total amount of life insurance claims paid out for Covid related deaths in 2020 for individual and group policies£202 million
Total number of claims received in 2020 for individual and group life insuranceTotal: 11,198 (Individual claims: 10,205 / Group: 993 claims)
Average claim payment for individual and group life coverIndividual: £13,100
Group: £74,600
Total amount of claims paid out to customers due to Covid-19 across all insurance services (including travel insurance and business interruption)£2.5 billion

 

Life insurance provider claims statistics from Covid-19 in 2020

Some of the top insurance providers have also released figures to show how they were able to help customers during the pandemic.

Below are just a few examples from several of the leading life insurance brands and our key partners.

Aegon life insurance claims statistics 2020

One of the oldest and most established life insurance brands in the UK, Aegon (previously Scottish Equitable), records £140million paid out in 2020.

Aegon paid out on a total of 1,584 claims during 2020 which was an increase of 17% on the previous year.

Aegon claims figures 2020

Life insurance claims paid out in 2020 for individual and business protection£81.3million (803 claims)
Top 3 causes of death recorded for life insurance claimsCancer – 40%
Heart conditions – 21%
Respiratory diseases – 14%
Average payout per claim for life insurance and the average age of the claimantAverage claim: £100,751
Average age: 63 years old
Percentage of claims where Covid-19 was recorded as the cause of death12%

 

Aegon also noted that claims paid out under critical illness cover policies reduced fell by 14% in 2019. This is due to the problems that people were experiencing in being able to access medical treatments and diagnosis through the NHS.

Aviva life insurance claims statistics 2020

As one of the UK’s biggest insurance brands, Aviva recorded some of the highest claims figures of all insurers.

According to Aviva up to the end of September 2020, it paid out over £36million to customers from nearly 1,700 individual Covid related claims.

Aviva also reported that there was a worrying reduction in the level of claims from critical illness cover, down by 20% in 2019.

LV= life insurance claims statistics 2020

As a life insurance provider, LV= paid out over £12million in Covid related claims for life insurance, critical illness cover, and income protection.

The insurer LV= is most well-known for its award-winning car insurance and income protection cover.

LV= claims figure 2020

Total claims paid out in 2020 for life insurance, critical illness cover, and income protectionTotal: £118million
Life insurance: £72million
Critical illness cover: £28million
Income protection: £14.6million
The overall percentage of claims paid out in 2020 by LV=95%
Top 3 causes of death recorded for life insurance claims in 2020Cancer: 43%
Heart conditions: 17%
Covid-19: 11%
Top 3 causes of death recorded on critical illness cover claims in 2020Cancer: 60%
Heart attack: 10%
Stroke: 8%

 

The total number of claims paid out in 2020 caused by Covid-19 related problems was £6.5million (figures included 619 death claims and 255 income-related claims).

Ovarian Cancer Awareness Month

Ovarian Cancer Awareness Month – “end inequalities”

Life insurance and Ovarian Cancer… before, during, and after diagnosis

March is ovarian cancer awareness month to help raise awareness for women with this condition. This year is about shining a light on the inequalities that thousands of women face when receiving treatment and care for ovarian cancer.

According to Ovarian Cancer Action, nearly a quarter of women (24%) are in their 70’s when they’re diagnosed with ovarian cancer.

It’s apparent that these women aren’t receiving the same level of care as others.

Currently, ovarian cancer accounts for approximately 4% of all cancers in women and is the 6th most common cancer, with over 7,000 new cases each year.

Here we look at how life insurance can work for women before diagnosis, when diagnosed, and after diagnosis.

We think that it’s important for women to understand how a life insurance policy can help to support them and their families. This should help to explain what life cover can do through, and after a cancer diagnosis.

Life insurance before ovarian cancer

They say that “prevention is better than cure” which is hopefully the way that people look at life cover.

If you’re concerned about what might happen in the future and you want to protect your family, then you should definitely think about getting protected. Life insurance and critical illness cover can be the difference between financial security and financial hardship.

If you were to be diagnosed with ovarian cancer in the future, then you could be paid out a cash lump sum.

Life insurance will pay out a cash lump sum to your family if you die from ovarian cancer. This payment can be used to pay off your mortgage, clear debts, and pay for the cost of living.

Critical illness cover can also pay out a cash lump sum to you and your family to help support you through serious illnesses, like ovarian cancer. Any diagnosis of a critical illness such as cancer can be incredibly stressful so this can relieve any financial problems.

Life insurance during ovarian cancer

For women who are recently diagnosed or receiving treatment for ovarian cancer, there are limited life cover options.

Most insurance companies won’t accept new applications for life insurance through this stage. Obviously, there are many unknown risks through treatment stages which standard insurers will not consider, unfortunately.

There is however an option for alternative life cover called ‘guaranteed acceptance life cover’. This type of policy will accept you through this period to at least provide some protection.

Guaranteed life insurance provides you with cover against other conditions or situations not linked to cancer. You’ll be protected for things like accidental death, heart attack, and stroke which are still important to have.

These policies can be extremely useful and affordable for you.

Life insurance after ovarian cancer

Once you’ve been treated for ovarian cancer, then you should find that your options will begin to open.

Many women who have been treated for ovarian cancer recover to live a long and healthy life. According to Ovarian Cancer Research Alliance:

  • Following Stage 1 cancer treatments – recurrence rates 10%
  • Following Stage 2 cancer treatments – recurrence rates 30%
  • Following Stage 3 cancer treatments – recurrence rates 70 to 90%
  • Following Stage 4 cancer treatments – recurrence rates 90 to 95%

If you’ve been treated for ovarian cancer and you need to take out life cover, there are plenty of options.

You can also find more information about life insurance after ovarian cancer HERE

Children’s critical illness cover – the facts

Children’s critical illness cover – want it or need it?

The team at iam|INSURED is incredibly proud to be working closely with Teenage Cancer Trust in 2021. This incredible charity provides vital support to cancer patients between the ages of 13 and 24.

We see this as an opportunity to help raise awareness for teenagers and young adults coping with a cancer diagnosis. Also, it is an opportunity for us to help increase awareness around children’s critical illness cover.

Children’s critical illness cover is an amazing product introduced to the protection market several years ago. This benefit provides critical illness cover to children up to the ages of 18 years for some providers and 23 years with others (depending on cover and education).

The reality is that should a family need to claim on a children’s critical illness cover policy, then we should be supporting them as best we can. Parents will dread to think about the possibility of their children becoming critically ill.

This type of benefit should be something that we promote more heavily as an industry, but there are limits to it.

Summary of cover currently available through standard insurance providers:

Provider% of sum assuredMaximum benefitMax. age (not in education)Max. age (in full-time education)Available with Life only
AIG CiC Start50%Up to £35,0002222NO
AIG YourLife PlanN/A£50k group 1 / £25k group 2 conditions2222NO
Aviva50%Up to £25,0002118NO
Aviva Upgraded ChildN/AUp to £25,000 (£50k for child extra care)2222NO
Canada Life50% / 25%£25k full payment

£25k additional payment cond.

2218NO
GuardianN/A£10,000 to £100,000. Payments between 100% and 25% based on the severity2323YES
Legal & General50%Up to £25,0002222NO
Legal & General CCIx50%Up to £30,0002222NO
LV=50%Up to £25,0002323NO
LV= Enhanced Children’s CI50%Up to £35,0002323NO
Royal London50%Up to £25,0002321NO
Royal London Enhanced Children’s CI50%Up to £50,000

Additional conditions up to £25,000

2321NO
Scottish Widows50%Up to £30,0002222NO
Vitality PPPN/A£10,000 to £100,000

Payments between 100% and 5% based on the severity

2318YES
Zurich (Core & Select)50%Up to £25,000

Additional conditions up to £25,000

2222NO

 

Summary

The reality of this table shows that most of these benefit options are fairly similar, however, there are some major differences.

Age limits are similar for most insurers, however, there are some who are clearly more flexible if your child is no longer in full-time education. Providers offering cover up to higher limits in this instance are AIG, Aviva (upgraded), Guardian, Legal & General, LV=, Royal London, Scottish Widows, and Zurich.

Maximum sum assured levels are fairly consistent across the board with most insurers on the standard cover. Guardian and Vitality both offer the highest levels of cover of up to £100,000, severity based.

Benefit limitations

The biggest limitation that we can see, especially for people with pre-existing medical conditions, is that only two insurers offer this benefit with life only. Every provider except for Guardian and Vitality will only allow you to add this benefit if you take out a critical illness cover policy.

Based on our experience in this area of protection, this excludes a significant number of people from taking children’s critical illness cover. We would like to see more insurers allow customers to add this benefit with life-only.

Blog: FCA Financial Lives 2020 survey

More than 50% of UK adults are ‘financially vulnerable’

A recent survey by the Financial Conduct Authority shows that over half of UK adults have been heavily impacted financially by the Covid-19 crisis.

The FCA Financial Lives Survey has revealed that as many as 1 in every 2 adults in the UK is struggling with money.

This report was carried out in 2020 and shows that 52% are now considered to be ‘financially vulnerable’ in some way due to the impacts of Covid. The survey was taken in February 2020 and then another in October 2020, six months from the start of the pandemic.

The impacts of Covid-19

Between the months of March and October 2020 during the peak of the pandemic, the number of adults classed as ‘financially vulnerable’ increased by 3.7 million. This is an increase of 15% since records taken in February, which takes the overall ratio to over 53% of UK adults.

The main cause for the increase was from negative events, such as redundancy or a reduction in working hours and pay.

The overall impact of Covid-19 on adults financial circumstances

ClassificationPercentage impacted
Much worse15%
Slightly worse23%
No change48%
Slightly better11%
Much better4%

 

Some other areas that were identified showed that 1 in 3 (15.9 million) expected their income to drop in the next 6 months. A further 25% of the population (13.2 million) expected to find it difficult to make ends meet.

A further 5.6 million people were reported to be experiencing food poverty and were likely to use a food bank. Also, 17.9 million were expected to be cutting back on essential goods.

The data also showed that 8.1 million UK adults were likely to take on higher amounts of debt from the pandemic. Conversely, there are 14% of people reported to be financially better off financially.

Payment holidays

The period between March and October 2020 saw 1 in 6 of all UK mortgage holders (3.2 million) take a payment holiday. A further 2.6 million (14%) were considering taking a payment holiday in October.

Categories of people likely to take a payment holiday in October 2020

Adults exceeding debt in February46%
People who lost jobs due to Covid-1937%
Employees forced to reduce hours to look after children or become a carer31%
Employees with reduced hours30%
Contract, temporary, or agency staff26%
Furloughed employees or paid leave26%
Ethnic minorities23%
18 to 34-year-olds22%

 

Around a fifth, (19%) of adults with credit or loans took a payment holiday (deferral), while half (49%) of people holding high-interest short-term credit (e.g. pay-day loans). A third (32%) stated that they would have struggled if deferment schemes were not available.

Shopping around for financial products

Another impact of Covid-19 is that consumers are far more likely to shop around for financial products. There has been an increase in the number of people switching insurance providers and closer attention paid to policy details.

Number of people who were more likely to shop around for insurance products in the future1 in 3 (33%)

10% of people who have never shopped around before

Number of people who are likely to shop around for financial products, such as savings accounts, ISA’s, current accounts3 in 10 (29%)

13% of people who have never shopped around before

UK adults with insurance or personal protection products who have switched to another provider to reduce the cost1 in 6 (17%)

24% of adults who lost their jobs because of Covid

UK adults with insurance or personal protection who have reviewed their policy because to improve their cover1 in 8 (12%)

8% of people have renewed a policy with changes in terms and conditions

 

Read the full reportFinancial Lives 2020

Blog: International Epilepsy Day 2021

International Epilepsy Day 2021

Today (Monday 8th February 2021) is International Epilepsy Day to help raise global awareness for people living with epilepsy.

iam|INSURED and epilepsy

We sadly lost a good friend in 2019 to epilepsy at the age of 36 from a head injury suffered during a severe seizure. This is something that is close to our hearts and we are incredibly grateful to the epilepsy charities who supported Paul’s family for many years.

Paul was a promising young golfer, a great friend, and a fantastic person. Epilepsy had a dramatic impact on his life and cost him a promising career in the sport that he loved. People don’t realise the impact that epilepsy can have on a person and their family.

About International Epilepsy Day

International Epilepsy Day has been running for many years and it is a joint initiative that was originally created by the International Bureau for Epilepsy (IBE) and the International League Against Epilepsy (ILAE). This is a global event that is held on the second Monday of February to help raise awareness for epilepsy around the world.

The two organisations (IBE & ILAE) are represented in over 120 countries around the world so this is a powerful event. The aim of the day is to help to raise awareness and shine a spotlight on the problems faced by people suffering from epilepsy, their families, and their carers all over the globe.

International Epilepsy Day 2021 (#50millionsteps)

A new campaign was launched ahead of this year’s International Epilepsy Day which was ’50 Million Steps for Epilepsy’. The aim was to step up awareness for epilepsy and in recognition of the 50 million people with epilepsy around the world.

According to the latest figures from the World Health Organisation (WHO) there is an incredible 50 million people affected by epilepsy.

Causes of epilepsy include:

  • Genetic disposition
  • Head trauma
  • Brain tumour
  • Or unknown causes

Epilepsy can have a dramatic impact on the lifestyle of anyone diagnosed with the disease. The stigma that surrounds epilepsy can also be more difficult to deal with than the condition itself.

International Epilepsy Day 2021 happens on Monday 8th February this year and people are invited to join in counting their steps for epilepsy between Monday 4th January and Monday 8th February.

  • Steps counter 50MillionSteps.org
  • Share your steps on social media using the hashtag #50millionsteps

To find out more about this years amazing challenge you can visit 50MillionSteps.org which includes resources, guides, posters and social media graphics.

Latest Epilepsy Facts and Figures

    FactsFigures
    People currently living with epilepsy around the world today50 million according to WHO
    Number of people living with epilepsy in the UK currentlyOver 600,000 according to Epilepsy Society UK
    Number of people diagnosed with epilepsy in the UK every dayApproximately 87 in the UK
    Approximate number of people who will have epilepsy in their lives1 in 50 people will have epilepsy at some point (not all will be lifelong or chronic)
    People with epilepsy who are affected by flashing lights (photosensitive epilepsy)Only 3% of people with epilepsy are affected by flashing lights
    Life expectancy for someone with idiopathic or cryptogenic epilepsy2 years less than national average
    Life expectancy for someone with symptomatic epilepsy10 years less than national average
    Most common conditions linked to suffering from epilepsy (comorbidity)33% of people with epilepsy also suffer from depression and anxiety

    Epilepsy life insurance case study

    Here’s an example of someone with epilepsy that we helped recently to get life cover to protect her two children and partner.

    Rebecca contacted iam|INSURED in October 2020 looking for life insurance to protect her two children (aged 2 and 12 years), and her husband who also has diabetes.

    Age: 35 (born 1986)

    Smoker status: Non-smoker

    Cover amount: £150,000

    Term of cover: 40 years (to age 75)

    Type of cover: Level term (family protection)

    Premium: £26.02

    Medical history

      Age diagnosed with epilepsy7 years of age
      Cause of diagnosisCyst on the brain
      SurgeryNone
      Absent seizuresApprox. 300/year
      Grand mal seizuresNone (last one at age 14)
      MedicationAnti-epilepsy drugs (AED’s)
      Other conditionsAsthma (diagnosed age 21)

    We were delighted to have got Rebecca the amount of cover that she needed to protect her family and keep within her budget.

    Resources:

    What are the 36 critical illnesses?

    What are the 36 critical illnesses?

    Many people who are looking for critical illness cover are concerned about what is covered and how it works. You might have heard in the past that there are 36 critical illnesses that are covered which isn’t always the case, but it’s a good place to start.

    Most critical illness cover policies will include the 36 main conditions as well as several more depending on the insurer and level of the plan.

    The following are widely considered 36 critical illnesses:

      1. Cancer19. Hepatitis (Fulminant Viral)
      2. Heart Attack20. Coronary Artery Disease
      3. Stroke21. Encephalitis
      4. Kidney Failure22. Head Trauma
      5. Multiple Sclerosis23. Medullary Cystic Disease
      6. Parkinson’s Disease24. Brain Surgery
      7. Alzheimer’s Disease25. Coronary Artery Bypass Surgery
      8. Brain Tumour (Benign)26. Lung Disease (end-stage)
      9. Paralysis (limbs)27. Surgery of the Aorta
      10. Muscular Dystrophy28. Terminal Illness
      11. Third Degree Burns29. Loss of Independence
      12. HIV30. Major Organ Transplant
      13. Cardiomyopathy31. Primary Pulmonary Arterial Hypertension
      14. Loss of Speech32. Severe Coronary Artery Disease
      15. Chronic Aplastic Anaemia33. Heart Valve Surgery
      16. Blindness (Permanent)34. Angioplasty
      17. Bacterial Meningitis35. Coma
      18. Liver Failure (end-stage)36. Deafness (Permanent)

    Looking at the current products that are available, almost all will at least cover these and many more. There are two different categories of critical illness cover which are:

    Standard cover: These policies generally cover up to or around 75 critical illness definitions and will pay out 100% of the sum assured at the point of claim

    Enhanced cover: This type of critical illness cover policy will pay out for up to 182 different serious illness definitions. The main difference is that it will pay out 100% for severe conditions and drop down to 10% based on severity or impact on lifestyle

    Related articles:

    If you need more advice or help to get the best critical illness cover for you then please feel free to contact our iam|INSURED experts on 0800 009 6559

    Our advice is absolutely FREE and we offer cover from all of the TOP insurance brands