We understand that having cerebral palsy can make some things in life a bit trickier, but it doesn't mean that you stop living life to the fullest that you can. Finding life insurance when you have cerebral palsy can be quite difficult, but as people's signs and symptoms of the condition vary greatly, availability of cover is highly dependent upon the severity of your condition and the effect it has on your overall health.
We've helped lots of people with cerebral palsy to apply for life insurance. Generally speaking, when you apply, the insurer will need quite a bit of information. This will include, but isn't limited to:
The insurer will also want to see a report from your GP to confirm your diagnosis and symptoms, in a sense to get a good picture of your overall health. Depending upon the severity of your condition, you could be offered life insurance at either standard or non-standard (higher premium) terms.
We understand that your primary goal is that all important financial peace of mind, and we'll go to great measures to help you achieve that, through a suitable life insurance policy that takes your cerebral palsy into account.
We'll go the extra mile to simplify the process of applying for critical illness cover with you having cerebral palsy.
Some of the information that the insurer will ask for will be similar to that in the case of life insurance above – things like whether or not you work, if you require a carer and how the condition affects your mobility (amongst other things). And once again, it's common for the provider to obtain a GP report.
In some cases, you may be offered cover with exemptions that would mean conditions caused by cerebral palsy wouldn't be covered by the policy. In other cases, you may be offered non standard terms. This really depends on the severity of your symptoms and your day to day health. For most critical illness policies your cerebral palsy will have to be mild with no major complications, in order for your application to be considered on the standard market.
We'll explain the whole process and the various options available to you in detail (and in plain English!).
It can be tricky to obtain income protection if you suffer with cerebral palsy, and the specifics of the policies available to you, will really come down to the severity of your condition and your circumstances.
The acceptance for income protection cover can be quite strict. However, if your employer is prepared to establish a company funded Income Protection plan, cover might be more readily available. If you would like to discuss Group Income Protection policies through your employer, or your own company, please contact us.
Should you find income protection isn't readily available for you, an alternative to consider might be Accident, Sickness and Unemployment cover. This is a type of short term income protection that pays for between 12 and 24 months. The main benefit for those with complex conditions like cerebral palsy is that the policies are not medically underwritten. However, you won't be covered for any claim relating to Cerebral Palsy.
Those with cerebral palsy also need to take this into account in their travel insurance. Find out more about applying for an appropriate policy by visiting our travel page here.
What is Cerebral Palsy
Cerebral palsy is a blanket term used for a number of neurological conditions that occurs when there is a problem within the area of the brain that controls muscle movement. There are a number of forms of Cerebral Palsy that can cause a variety of difficulties for an individual including the ability to move, eat, hear and see, amongst others. Cerebral palsy cannot be cured but the symptoms can be managed with a range of therapies.
Also: Spastic cerebral palsy, dyskinetic cerebral palsy, ataxic cerebral palsy, mixed cerebral palsy, choreoathetoid cerebal palsy, dystonic cerebral palsy
Possible Effects on Lifestyle
Some people with Cerebral Palsy may experience some or all of the following symptoms and problems:
Medications and Treatments
Further Reading and Research
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1. Can you help me even if I have been declined life insurance before?
If you applied to a general insurer for life insurance who does not have the eligibility criteria to accept applications from people with cerebral palsy, then it's not unusual to be refused cover. We'd need to find out a bit more about your previous applications, but would ultimately be looking to find a solution for you, even if this means applying through specialist providers.
2. Will the application process for life insurance be complicated because of my cerebral palsy?
When applying for life insurance with any health condition, you'll often encounter more questions and will need to provide quite a lot of information about your symptoms, treatment, condition and overall health. But it needn't be complicated. We can help to simplify the process for you.
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Review by Craig on 3rd January 2018
“Nick has been absolutely fantastic. He sought what I needed and ensured that I got the cover. He has stayed in contact throughout and made the whole process very easy” - 5
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