Antiphospholipid Syndrome & Life Insurance
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When it comes to arranging insurance when you have APS, it can be a bit of a minefield knowing which insurer is going to best for you.
It is sometimes hard to believe that the person you are speaking with actually understands your health and is listening to your needs. It’s important that you feel comfortable with whoever you speak to, so that you have confidence that the insurance you arrange is going to do what you need it to.
Insurers are generally going to want to know the following information about you:
- When were you diagnosed with APS?
- How many blood clots have you had?
- Have you ever had catastrophic APS?
Having this information to hand when you speak with one of our advisers can really help us to do research on the best insurer for you. Our job is to be open and honest with you about the insurances that you can access and the potential cost of the cover.
It is likely that where life insurance is available with your APS, that the premiums will be higher than what you see on price comparison sites. Everyone is individual so it is not possible to say exactly what might be on offer. The main things that insurers are looking out for is how much the antiphospholipid syndrome affects your day to day living.
It is possible that for any type of APS if you have had a recent significant flare of your symptoms, you have additional conditions like lupus, or you have experienced catastrophic APS, that your insurance will need to be placed with a specialist insurer.
For all of our customers with antiphospholipid syndrome, we treat you as an individual and we find and tailor an insurance package specifically to you.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
The availability of critical illness cover for people with APS will be dependent upon whether you have had any symptoms or secondary illnesses in the last few years. The insurer will want to know the frequency of your symptoms and will probably ask for permission to speak with your GP, so that they can confirm your medical history.
It may be that we need to approach a specialist insurer for the cover and it’s really important that you speak with an experienced adviser that can fully explain what you will and will not be covered for.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
If you want to look at options for Income protection cover, insurers are going to be particularly interested in whether the APS has caused you to have any time off work. It is highly likely that any offer of income protection will exclude claims relating to APS.
Income protection policies and insurers offer a lot of options to tailor their products to your individual needs. Ideally, you want a policy that is based upon an ‘own occupation’ definition. This means that the insurer will be able to consider a claim if you fall ill and cannot do your specific job. Other definitions are much broader and can be more difficult to claim on.
In some cases it may be worth considering Accident, Sickness and Unemployment Cover. This will give you 12-24 months of income replacement if you are unable to work due to ill health and are signed off work by your GP.
The policy can be arranged without any medical underwriting so having antiphospholipid syndrome will not affect the premium or your eligibility for the product. But, it is important to be aware that any claim will exclude pre-existing conditions.
What is Antiphospholipid Syndrome
APS is an hereditary autoimmune condition that increases the number of antiphospholipid antibodies within the blood. Known as ‘sticky blood’, the increase in antibodies means that it is more likely for blood clots to form.
Also: APS, Hughes syndrome, ‘Sticky’ blood
Linked with: Autoimmune conditions, Deep vein thrombosis (DVT), Stroke, Heart attack, Transient ischaemic attack (TIAs), Pulmonary embolism, Catastrophic antiphospholipid syndrome (CAPS), Systemic lupus erythematosus (SLE), Rheumatoid arthritis, Sjögren’s syndrome, HIV
Some people may experience some or all of the following symptoms and problems:
- Balance difficulties
- Blood clots
- Blotchy skin (livedo reticularis)
- Breathing difficulties
- Double vision
- Pins and needles
- Pregnancy complications
- Recurrent migraines
- Superficial thrombophlebitis
- Low-dose aspirin
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It depends upon the type of Income Protection that you can apply for. There is personal income protection, business income protection and group income protection. Most of the time income protection will come with an increased premium and an exclusion for claims relating to the antiphospholipid syndrome, but it completely comes down to your individual circumstances.
Speak to us! There are a lot of options that we can look at and we are well known for arranging insurance for people that have been declined elsewhere.
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Review by Vicki on 14th June 2019
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