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Life insurance

Posted , 4 users are following.

Chris6543
Chris6543

Hi guys I have Addison's disease can anybody suggest a good company that will insure me please

0 likes, 4 replies

4 Replies

  • Roddy999
    Roddy999 Chris6543

    Posted

    Chris, presumably your AD is fully medicated (hormones replaced), you really should not have any probs getting insurance. You have to declare it of course [never give them wiggle room] but the extra charge won't be significant. It's not like you have something serious  ;-)

    • Roddy999
      Roddy999

      Posted

      My "something serious" was a bit flippant. What I meant was your condition is under control and isn't likely to present the insurer with some big event in the reasonably foreseeably future. That is not the case with cancer, a heart condition, diabetes, high blood pressure - that's where they really add a loading.  As Walter said, contact a few companies to see what they need to know. But be optimistic not pessimistic.

  • walter79240
    walter79240 Chris6543

    Posted

    I used to sell life assurance for 25 years. You can either go to an independent financial adviser who might charge you or you can email as many life assurance companies as you want, but they will almost certainly require a full medical history and a medical examination. What is certain is that premiums will be loaded and will vary enormously. It may be worth considering depending on your age life assurance for the over 50's that don't ask medical questions but are generally poor value. The answer is "suck it and see"

  • cyril06602
    cyril06602 Chris6543

    Posted

    Hi Chis,

    Try Eurotunnel's 'Le Shuttle' insurance underwritten by Allianz. They do not require to know any previous medical conditions. They only stipulate that you are not travelling against your doctor's advise and that you do not have a terminal prognosis.

    Give them a phone call on 03457 353535. I think you will be pleased. 

    I have adrenal insufficiency and have had thyroid cancer. I got insurance for myuself and my wife for a week for £35.20!

    Other insurance companies ranged from £370 to £685! They are having a laugh.

    Good luck.Let me know how you get on.

    Cheers,

    Cyril  

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