Life Insurance for people with total or partial deafness should be available with most insurers at standard terms. If the deafness is caused by a secondary condition the insurer may ask you additional questions in regards to your health. Depending upon the cause of your deafness the insurer may review your application further with focus upon that aspect of your health.
Critical Illness Cover for people who are totally or partially deaf will almost certainly come with an exclusion for deafness. This will mean that the policy has been accepted at non-standard terms. Whilst this is the case provided that you are in good health you should be eligible for cover for all other aspects of the Critical Illness policy. Where deafness is a result of another medical condition or occupational risk, the insurer will assess your application in more detail in regards to these additional factors.
Income Protection for people with total or partial deafness will come with a deafness exclusion to the policy. If you are in good health then all other aspects of the Income Protection policy should still be available to you. Where additional medical conditions are present or the deafness is caused by occupational activities, the insurer may look at your application further to fully underwrite the separate disclosures.
Some potential problems experienced by individuals who are deafness include:
Need to lip read or use sign language
Heightened awareness in traffic systems
Use of loop systems
Medications and Treatments
Bone Anchored Heaing Aids (BAHAs)
Digital hearing aids
Middle ear implants
For more information on specific health conditions, pastimes, occupations and countries please select here:
Request a Callback
By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.
Talk to a Friendly Adviser
Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.
Deafness is often placed into the categories of sensorineural (cochlea or auditory nerve damage) and conductive (blockage) hearing loss; where both types of hearing loss are present you may be diagnosed as having mixed hearing loss. Hearing loss can take time for the individual to adjust to but once new routines and lifestyle choices are made a fully active life can be maintained.
Other Services Available
You can apply for any of the following services through ourselves
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).
We are specialist high risk insurance advisers who are dedicated to helping everyone get the insurance that they need.
The materials in this website are in no way intended to offer medical advice. Please consult your doctor if you notice medical symptoms or feel ill.
Information regards taxation levels and basis of reliefs are dependent on current legislation, individual circumstances are not guaranteed and may be subject to change.
Special Risks Bureau is a trading style of Cura Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate trusts.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.
Cura Financial Services Ltd is Registered in England and Wales, Number 8478749, 2 Station Approach Offices, Filey, North Yorkshire, YO14 9PF