In this video I talk about Yvonne, a woman who came to us having been diagnosed with Parkinson's Disease at the age of 40. Yvonne had a mortgage and wanted to make sure that her partner could pay it off, in the event that she pass away, or if she were to be diagnosed with a critical illness. Watch my video to find out how we were able to help Yvonne achieve her goals.
For more information on arranging life insurance when you have Parkinson's Disease, please see our dedicated page here.
Hi and welcome to episode Y of the CuraVision ABC series, and today, I'm going to be focusing on Yvonne, who came to us with young onset Parkinson's disease.
When Yvonne came to us, she was in her early 50s. She had been diagnosed with Parkinson's at the age of 40. She was still working full-time. Her symptoms were quite mild, pretty much localized to her hand most of the time. Sometimes it affected, just tremors throughout one side of her body, on occasion, but she was still able to drive. She had no mobility aids or anything like that, so the condition was very, very mild.
Yvonne had a capital and repayment mortgage of £166,000 over 19 years that she wanted to put some protection in place, obviously to protect her family, should she pass away, or if she herself fell ill. So what we were able to arrange was a decreasing life and critical illness policy. So the life insurance was £166,000 and the critical illness cover was £83,000, cover half of the liability and keep the policy within the client's budget. It was over 19 years and it came at a monthly premium of £99, and it came with an exclusion on the critical illness side of things only, for anything to do obviously with the Parkinson's, dementia, or combined Alzheimer's.
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