Life Insurance for people with familial hypercholesterolaemia may be available at standard terms if the condition is well controlled. If there are a number or medications in use and/or your overall cholesterol reading is outside of certain parameters, the insurer may wish to see a report from your GP about your general health. Where familial hypercholesterolaemia is not controlled you may need to place your Life Insurance application with a specialist provider who may be able to consider cover. This may result in your application being accepted with a premium loading and in some cases the cover may be declined.
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Critical Illness Cover
Critical Illness Cover for people with familial hypercholesterolaemia will be assessed similarly to that of Life Insurance. The insurer will want to know how well controlled your condition is and your latest cholesterol readings will be required to underwrite the application. Where the condition is well controlled some insurers may be able to offer standard terms for Critical Illness Cover. If the condition is not well controlled or there are other contributory illnesses to note, the insurer may ask to see a report from your doctor about your health. Depending upon this report your policy may be accepted at standard or non-standard terms (premium increase); some applications may be declined where the condition is determined to be quite severe.
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Income Protection for those with familial hypercholesterolaemia will be reviewed on stricter underwriting guides than the other insurances mentioned. Insurers are more likely going to want to see a report from your GP to establish the overall state of your health. Provided that the condition is well controlled you may be able to secure Income Protection at standard terms if you approach the right insurer for your circumstances. Where the condition is not well controlled the insurer may choose to increase the policy premiums or in more severe cases declined.
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If you find that the terms for Income Protection do not meet your circumstances then you may wish to consider Accident, Sickness and Unemployment cover. This type of policy provides short term income protection of between 12 and 24 months in the event that you are unable to work due to disability, long term illness or involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten so your condition will have no bearing on the terms provided, however anything related to familial hypercholesterolaemia will be excluded from the policy claims set.
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