If you have been diagnosed with an Autoimmune Disease such as Diabetes, Multiple Sclerosis or Arthritis then you should speak to an expert about your life insurance needs. There is a vast range of Autoimmune Disease conditions and severity levels and therefore underwriting for Autoimmune Disease life insurance can vary drastically from one provider to another.
It is very possible to get Autoimmune Disease life insurance at insurers standard rates with no requirements for additional underwriting or GP reports if your condition is well controlled with no other issues. We see a large percentage of Autoimmune Disease life insurance applications that are underwritten based on the information provided on the application forms and either with no additional loadings to premiums or just a small loading.
Underwriters when assessing applicatiosn for Autoimmune Disease life insurance will require you to provide additional information such as:
- What type of Autoimmune Disease you have been diagnosed with
- When you were diagnosed with your Autoimmune Disorder
- Your latest readings or levels
- General health and any other medical issues
In some cases where the condition is too complex or if the condition is too severe then you may need to provide access to your medical records for underwriters to accurately assess your Autoimmune Disease life insurance application.
If you have an Autoimmune Disorder and you need life insurance but have struggled in the past then you should contact the experts at The Insurance Surgery for more information. Our team of specialists know which insurers are best for various medical conditions and will direct you to which company is best for you.