Neurological Disorder & Life Insurance
Request a Callback
By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.
Life Insurance, Critical Illness Cover and Income Protection for people with a Neurological Disorder
Well known conditions:
- Parkinson’s Disease
- Multiple Sclerosis
Applying for Life Insurance with certain neurological disorders should cause no major concern, especially if you use a reputable insurance broker who can search the market for the best provider for you. Your application is likely to require additional consideration by the insurance provider and will probably involve a report from your GP. This is a normal process and is simply a requirement of the Insurance Provider so that they can establish how your condition affects your general health.
For conditions such as Parkinson’s disease and multiple scleorisis you are likely to receive a “loaded” premium due to your medical condition . Other conditions such as epilepsy and migraines can be accepted at normal terms (no price increase) if well controller. An indication of the amount of premium increase that you could be looking at is included in the explanation pages through the links below. Should there be any additional complications with your medical history and/or your symptoms are too severe your application for insurance may be declined.
Some conditions such as Alzheimer’s disease, dementia and motor neurone disease can be very difficult to obtain life cover for however this does not mean that you should not enquire. Even if normal life cover cannot be offered many people are able to cover funeral costs by means on Guaranteed Over 50s Life Cover that does not need medical questions answering.
Critical Illness Cover
Milder conditions such as certain forms of epilepsy and migraines should not cause any issues for people looking into Critical Illness Insurance. Many neurological conditions however such as Parkinson’s disease and multiple sclerosis will make obtaining Life Insurance at this time impossible.
Similarly to Critical Illness Insurance, an application for Income Protection with a neurological disorder will largely depend on your specific medical condition is likely to result in loaded monthly premiums or a decline to offer cover.
Get a Quote
What We Offer?
- Experienced and knowledgeable advisers
- Specialist advice with no fees to pay
- Full assistance with all of your paperwork
- Put your policy into trust at no cost
- A dedicated insurance adviser for you