Gastric Bypass Life Insurance, Critical Illness Cover And Income Protection
The Insurance Surgery is a top level specialist for people who need insurance for pre-existing medical conditions to protect themselves and their loved ones, such as Gastric Bypass life insurance, critical illness cover and income protection.
If you are classed as high-risk or non-standard by personal insurance companies due to your health, occupation or sport then you should speak to someone who specialises in this because it can be difficult to get the cover you need at the right price through a non-specialist. Insurance underwriting for someone who is classed as a non-standard life such as Gastric Bypass life insurance, critical illness cover and income protection will require more specific knowledge and expertise which is exactly what we do.
Our team of experts has been specifically working with people with pre-existing medical conditions for life insurance and other personal protection products since 1999 and we help thousands of people every year to protect themselves, their families and their homes in the event that anything happens.
You never know what life will throw at you so if you need Gastric Bypass life insurance, critical illness cover and income protection then you should speak to one of our expert advisers to see how we can help to save you money.
How Gastric Bypass life insurance, critical illness cover and income protection works:
If you’re looking for specific cover such as Gastric Bypass life insurance, critical illness cover and income protection then you will need to provide additional information about your health such as:
- Date of surgery and your age
- Reason for surgery
- Previous BMI (before surgery)
- Any complications
- Other medical conditions and general state of health
To find out more about Gastric Bypass life insurance, critical illness cover and income protection and to get a quote, simply complete our simple enquiry form and one of our team of advisers will contact you.
Gastric Bypass Insurance
For anyone who has had Gastric Bypass surgery looking for life insurance to protect their family, home or business, there are several considerations which we will be able to guide you through. Your application for Gastric Bypass life insurance will be assessed by an insurance underwriter who will review the answers you have provided on the form which we will complete on your behalf. Underwriters will be looking for the following information:
- When did your surgery take place and what age were you
- Was there a specific reason for you having Gastric Bypass surgery
- Are there any other risks such as Type 2 Diabetes
- What was your weight before surgery and what is your weight currently
- Are there any mental health issues
If you have previously applied for Gastric Bypass life insurance and you have either been offered cover on the basis of special terms (e.g. premium loadings) or even had cover declined altogether then we may be able to help you. It could be possible that your application for Gastric Bypass life insurance was either submitted to an insurance provider who does not accept this type of cover or one with strict underwriting for your condition.
Life insurance for Gastric Bypass surgery should be available from standard rates where the surgery was several years ago and there has been a period of stability with no major fluctuations in weight.
If you are looking for Gastric Bypass life insurance and your surgery was either recent or if your weight has increased then you may find that your premiums are loaded more heavily.
Gastric Bypass critical illness cover
Applications for Gastric Bypass critical illness cover will also require additional underwriting which can result in cover being offered from a small loading with no exclusions to a potential decline depending on your current health and weight.
It can be slightly more difficult to get the right levels of cover at the right price for Gastric Bypass critical illness cover because of the potential related risks to your health.
Your offer of cover and premiums for Gastric Bypass critical illness cover will depend very much on your current BMI levels as well as the state of your health at the point of application.
If you have other medical issues such as Type 2 Diabetes or Mental Health problems then you may find that critical illness cover may not be available to you at this time but it is always worth applying to find out.
Gastric Bypass income protection
For someone who has had a Gastric Bypass operation and needs some form of income protection cover then you will be required to provide some medical evidence such as a report from your GP or specialist.
An application for Gastric Bypass income protection will also be based whether you have had any extended periods off work in the past several years as well as everything else above.
Rates for Gastric Bypass income protection can vary from one insurance provider to another and can be accepted at anything from a small premium loading to a decline if the surgery was too recent or there have been other issues.
Our customers love us.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
Nicola Storr
Useful Links
For more information about getting Gastric Bypass life insurance, critical illness cover and income protection, contact The Insurance Surgery.
Click the links below to find out more: