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In this video I talk about a case study client that we had, Mr J. When John came to us we established that he needed life insurance, critical illness cover and income protection. John was unsure as to what insurance he would be eligible for as he had been diagnosed with juvenile scoliosis as a teenager. We were able to arrange him life insurance, critical illness cover and income protection at standard terms, without a back exclusion.

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CuraVision ABCs Juvenile Scoliosis - Video Transcript

Hi, today I'm going to be carrying on the CuraVision ABC Series, and today's focus is on Mr J.

John came to us a 43-year-old male, non-smoker, BMI was fine, but he'd been diagnosed in his teens with juvenile scoliosis. Speaking to John, our advisor established that he needed life insurance, critical illness cover, and income protection. So what we arranged was an increasing life and critical illness policy for John of £125,000 over 16 years, for a monthly premium of around £60 per month, all standard terms. Now, the interesting part of this one is when we look at the income protection. So we arranged for an increasing income protection policy of a replacement of £4,000 per month that would kick in after four weeks of being unable to work, until his anticipated retirement at age of 60. That came to a monthly premium of £180.

Now, the interesting thing about this for John was in this circumstance we were able to arrange for a specialist letter to be seen by the insurer, that confirmed that the scoliosis would have no impacts on his ability to work going forward for the foreseeable future, and I'm pleased to say that the insurer did take that onboard and did listen to the specialist, so they were able to offer the income protection without a back exclusion. It came through with completely standard terms on all of the policies that we were able to arrange.

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