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Cerebral palsy life insurance

Don’t worry, life insurance isn’t out of reach for people with medical conditions like cerebral palsy. Cerebral palsy life insurance can be simple and easy to get, plus it’s often much cheaper than you thought it would be.

Having cerebral palsy shouldn’t make it overly difficult to get the cover you need to protect your home and family. Life insurance is the most cost-effective way to look after the people you love, ensuring they won’t end up in financial trouble when you’re no longer here.

We know a lot about life insurance, but we get that not everyone does. Here, we’ve put together some useful information about cerebral palsy and life insurance to make it all a bit easier for you to understand.

Why are we cerebral palsy life insurance experts?

We’re extremely proud to have helped thousands of people with medical conditions like cerebral palsy find the perfect life insurance policy. Our specialists have over 20 years of expertise and knowledge and know exactly which providers are the best fit for each person who applies.

We can answer all your main questions about life insurance and cerebral palsy, specialising in areas like:

  • Which insurers work best for someone with cerebral palsy?
  • How to save money on your life cover
  • Life insurance for people with multiple medical conditions

Life insurance makes such a big difference to families across the UK, preventing millions of people from struggling financially. We fully believe that everyone deserves to protect their loved ones with life insurance and people with cerebral palsy are no exception.

We will always work hard to make sure you are treated fairly by insurers and will never waste your time by applying to companies who aren’t suitable for you.

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YES – there are some brilliant (and affordable) options for life insurance with cerebral palsy. Having cerebral palsy doesn’t need to make things difficult for you, and with the right support you can find the perfect policy quickly and easily.

Cerebral palsy shouldn’t cause too many issues when you apply, but it’s still important to mention it to your insurer. Insurance providers will always want to know about anything that affects your health.

What is the best life insurance for cerebral palsy?

There isn’t one ‘best’ type of life insurance. One thing we think is great about life cover is that there are a lot of options available. This allows you to choose the policy that best suits your own needs and circumstances.

Here are some of the main types of life insurance in the UK:

How does cerebral palsy life insurance work?

It’s understandable if you’re not sure how life insurance works, especially if you’ve never applied before. The insurer will ask you some basic questions about the cover you want and your health and lifestyle to match you up with the right policy and price.

There can be some extra questions involved if you have a medical condition like cerebral palsy. This helps the insurer get a better understanding of your overall health. You may be asked questions about:

  • Which type of cerebral palsy do you have? (ataxic, spastic, dyskinetic or a combination)
  • When you last experienced severe symptoms like seizures or blackouts (if this applies to you)
  • Does cerebral palsy prevent you from working?
  • Do you need a carer to help you?
  • What treatments or therapies you have for your condition (e.g. physiotherapy)?
  • Details of any medications you take to treat your symptoms (e.g. diazepam, baclofen or botulinum toxin)
  • How severe your symptoms are and if you have had any surgeries
  • Do you have any other related medical conditions? (e.g. epilepsy or scoliosis)

Does life insurance pay out for cerebral palsy?

YES – if you have cerebral palsy and you pass away, your life insurance policy will pay out a lump sum to your loved ones. This money is most often used to cover important costs such as:

  • Mortgage or rent payments
  • Funeral costs
  • Repaying debts
  • School fees
  • And more..

Can you get critical illness cover with cerebral palsy?

YES – it can be possible to get critical illness cover for cerebral palsy. Critical illness cover can offer you and your loved ones extra financial support in the event you are diagnosed with a serious illness.

Common reasons for critical illness claims include:

It’s likely that the insurer will need some additional information about your cerebral palsy when you apply and in some cases a GP report.

Does critical illness cover pay out for cerebral palsy?

Cerebral palsy is generally diagnosed in childhood, so your critical illness cover policy is unlikely to pay out for this. You also can’t claim for a medical condition that you’ve already been diagnosed with (pre-existing condition).

The good news is that children’s critical illness cover will often pay out for child specific conditions like cerebral palsy. If you have a child who is then diagnosed with cerebral palsy, your policy may pay out a cash lump sum to support you and your family.

Will I need a medical to get cerebral palsy life insurance?

This totally depends on the insurer and your own symptoms and situation. It is possible you will be asked for more medical information such as a GP report when you apply for life insurance.

How much does life insurance cost with cerebral palsy?

If one or two insurance providers are offering cover at ridiculously high prices, you don’t need to just accept this. There are a wide range of insurers in the UK and some will be better suited to people with cerebral palsy and able to offer lower prices.

These are a few main factors that insurers will look at when deciding the cost of cover for someone with cerebral palsy:

  • Your age
  • Height and weight
  • Occupation
  • Smoker status
  • Any other health conditions
  • Any high risk hobbies
  • When you were diagnosed
  • Severity of symptoms

There are some really easy ways to save money on life insurance if you’re worried about the cost. Here are some of our TOP TIPS to find the right life insurance to suit your budget:

  1. Talk to the right insurers: All insurers view medical conditions differently which means some will be better suited to people with cerebral palsy and can offer lower prices.
  2. Make some lifestyle changes: Simple changes such as exercising more or quitting smoking can make a huge difference in how much you pay for your cover.
  3. Get help from an expert: A life insurance specialist will know exactly which insurers to approach for the best prices for someone with cerebral palsy.
Can I get life insurance if I have cerebral palsy?YES – people with cerebral palsy can often still get brilliant life insurance policies.  
The key is to do some research to make sure you are happy with the provider you choose.  
If you’re not sure of your best options, you can speak to a life insurance specialist to find out more.
Is cerebral palsy considered a critical illness?This depends on your policy. Usually, cerebral palsy is only classed as a critical illness for children’s critical illness cover.
Do I need to disclose cerebral palsy when I apply for life insurance?YES – it’s important to tell your insurer about any ongoing health conditions like cerebral palsy.  
If you don’t, they might refuse to pay out when your loved ones come to claim. This is the last thing anyone wants and really isn’t worth the risk.
What if I’ve been declined life insurance for cerebral palsy?There are various reasons an insurer might decide not to offer cover and we know how frustrating it can be when this happens.

This doesn’t have to be the end of the road though. Chances are you just weren’t speaking to the right insurance provider for you.  

Many people are able to get life insurance after being declined elsewhere. If you need some extra advice, our experts are here to help.

Here, we have put together some useful (and hopefully interesting) information about cerebral palsy in the UK – plus links to helpful resources.

Medical conditions linked to cerebral palsy

There are several medical conditions that are known to have a link to or be caused by having cerebral palsy such as:

Celebrities with cerebral palsy

Cerebral palsy is common medical condition and there are a few public figures who have been diagnosed with cerebral palsy such as:

Cerebral palsy charities and support UK

There are some amazing charities and support services in the UK that work hard to support people with cerebral palsy and their families. This includes:

Cerebral palsy facts and statistics UK

Statistics from leading UK disability charity Scope suggest around 1 in 400 children born in the UK will have cerebral palsy.

The symptoms of cerebral palsy tend to become noticeable at around 2 years old and will continue throughout your life. There are 3 main types of cerebral palsy, and some people may have a mixture of these:

  • Spastic cerebral palsy
  • Dyskinetic cerebral palsy
  • Ataxic cerebral palsy

Common questions about cerebral palsy

What is cerebral palsy?Cerebral palsy is the name of a group of medical conditions which affect movement and co-ordination.  
Many people in the UK have cerebral palsy, and this condition can affect each person very differently.
What are the main symptoms of cerebral palsy?Some people will experience milder symptoms and others may find cerebral palsy has a significant impact on their day-to-day life.  
Symptoms of cerebral palsy are normally notice in childhood and include:  

Weak arms or legs
Seeming overly stiff or floppy
Jerky or clumsy movements
Muscle spasms
Walking on tiptoes
Delays in reaching development milestones
What is the main cause of cerebral palsy?There are a few things that are known to cause cerebral palsy, though the exact cause for each person isn’t always clear.  
Factors that increase the risk of cerebral palsy include:  

Brain not developing properly in the womb
Brain damage during or not long after birth
Bleeding in the brain
Reduced blood or oxygen to the brain
An infection caught during pregnancy
Serious head injuries
Meningitis
At what age does cerebral palsy appear?Cerebral palsy is usually diagnosed in early childhood as symptoms can include delays in reaching development milestones.

Useful resources

Scope – Advice and support

Cerebral Palsy Guide – What is cerebral palsy?

NHS – Cerebral Palsy

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