Life insurance - UK

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Afib is not life threatening but I have to pay twice as much as my girlfriend for half as much payout on our life insurance - can anyone recommend a good provider of insurance that does good rates for sufferers of Afib ? I currently pay £27 a month for £125k of cover 

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  • Posted

    Insurance for those with pre existing medical conditions has improved greatly in the last few years, thank goodness!  I would suggest covered2go - a UK Which best buy for the category. Can be done on line with a telephone medical screening.... There are various levels of package to chose from so you can pick your cover.

    I've found this to be the best value cover with little fuss. Don't expect to be able to go to the USA/Carribean (s?) as the costs become prohibitive! Anywhere else - yes. 

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  • Posted

    Is the question about Life Insurance or Travel Insurance? Can't help with the former - as far as Travel insurance is concerned I have an annual policy "free" with my TSB bank account, but have to pay an extra £105 annually to cover afib plus another condition or two, which I think is reasonable. Though I was hoping it would reduce following a successful ablation, which it hasn't.

    On the plus side, on retirement it should be possible to get better value from an annuity because some actuaries reckon afib reduces life expectancy (I hope they are wrong!). I have at last three annuities - the best (unfortunately not my main one) is with LV. I wish I had known about them, and Hargreaves Lansdown, when I took my main annuity.

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  • Posted

    Whoops Life Insurance not travel insurance! Mea culpa. Just back from Africa with a one track mind!
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  • Posted

    The question is about life insurance but thank you for the info on travel insurance Okapis as I’m going on holiday later this year so will be looking into that in a few months 
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  • Posted

    In as gentle and conciliatory a way as possible, break it to your girlfriend that you are not going to carry any life insurance. Unless, of course, she is going to end up being your caregiver if you have a stroke, then pay the £27. Sorry for being flippant. Our Afib doesn't usually kill us but, as a group, we probably have a little shorter life expectancy due to strokes, ghastly meds we take, exposure to hospital bugs a little more often than the general public and the odd syncopal event while up the ladder, hence the higher premium. I have anthropomorphized my afib so that I feel justified in hating its guts for all the ways it intrudes into my life. Try that. 

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  • Posted

    I am going abroad in early September and I arranged and paid for my insurance at the time when I booked the holiday at the beginning of January.   Now I have been diagnosed with AF do I have to tell the insurance company I wonder.   Does anyone know?

    Kathleen

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    • Posted

      Yes alas you do! Dont think its worth keeping it to yourself. 

      For future travel go for a specialist insurer for those with pre-existing conditions. They seem to accept AF with relative ease depending on severity. Only you know whether the AF is likely to strike when youre away. Depends what your triggers are. Alcohol? Coffee?

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    • Posted

      Yes, tell them. I suspect my £105 p.a. loading is because I have to answer yes to the question "has your AF ever resulted in your passing out". But that's purely my guess.

       

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    • Posted

      Hello,

      I was only diagnosed last month and I don`t know what triggers it really.    I notice if I drink coffee that is NOT decaffienated then my heart races so I have been trying to cut down on that but honestly I don`t really understand it at all because I am all right except for walking too fast or getting breathless when over doing it.    I only heard on this site that there are triggers and I thought it was something that is there all the time but we just don`t know it.    See how little I understand?  

      Kathleen

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    • Posted

      Hello Steve,

      Yes I will tell them,  it will be interesting to see how much more money they want from me.   I will let you know.

      Kathleen

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    • Posted

      Hello BampaOwl,

      I bet they will just charge as much as they can on the assumption we may all drop dead on holiday because how can they know what it means when I don`t even know properly myself!

      Kathleen

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    • Posted

      The prices are all calculated on averages.

      I don't get AF any more since a successful ablation in November. But when I did get it, bouts came at fairly regular intervals, and I couldn't really detect any triggers. And most of the time I was not badly affected by it.

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