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Barretts Oesophagus Life Insurance

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Barrett’s Oesophagus Life Insurance

Our team of life insurance specialists has been working with people with pre-existing medical conditions such as Barrett’s Oesophagus for years and we have helped thousands of people with non-standard risks to get the best cover at the right price. High risk applications for cover such as Barrett’s Oesophagus life insurance, critical illness cover or income protection require some knowledge and expertise to identify which insurance underwriters are most likely to offer cover as well as to get the lowest premiums.

How Barrett’s Oesophagus life insurance works:

Anyone with a medical dsclosure such as Barrett’s Oesophagus looking for life insurance will no doubt be asked to disclose additional information about their condition, such as:

  • What date you were diagnosed with Barrett’s Oesophagus
  • Treatment or medication
  • Any related issues or conditions (e.g. cancer)
  • General level of fitness / health
  • Other medical issues

The Insurance Surgery has a team of leading insurance experts who work with people who need specialist cover or who have specialist requirements such as for Barrett’s Oesophagus life insurance, critical illness cover and income protection. We have worked with all types of medical conditions and helped people to find cover to protect themselves, their families and their homes.

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Barrett’s Oesophagus Life Insurance

Anyone looking for life insurance that has a history of Barrett’s Oesophagus should be aware that there could be additional requirements before you are able to get the cover that you are looking for. In the majority of applications we have seen for Barrett’s Oesophagus life insurance there is usually a requirement to allow underwriters to view your medical records.

Barrett’s Oesophagus life insurance rates will also depend on several key factors, including:

  • What age were you diagnosed with Barrett’s Oesophagus
  • Was your treatment successful
  • Did you have any ongoing problems (e.g. cancer)
  • What caused your Barrett’s Oesophagus

If you have applied for cover in the past and you have been declined life insurance or had special terms imposed because of your Barrett’s Oesophagus then you should speak to our experts. Barrett’s Oesophagus life insurance rates can vary from standard rates where the condition is mild with no ongoing issues all the way to decline where the condition has resulted cancer.

Barrett’s Oesophagus Critical Illness Cover

It is possible to get Barrett’s Oesophagus critical illness cover where the condition is mild and there are no long term effects, however this may be loaded purely because of the risks related to the condition. In almost all of the applications that we have seen for Barrett’s Oesophagus critical illness cover there has been a requirement to provide a copy of your medical records to ensure that the appropriate decision is made.

Barrett’s Oesophagus critical illness cover rates will often be higher than for people who do not have a pre-existing medical condition or for people with mild medical issues. There may also be a cancer exclusion on some applications for Barrett’s Oesophagus critical illness cover due to the added risks of a resultant cancer complication further down the line.

Our team of experts will gather all of the information they need from the beginning of the application process to be able to identify which insurers are better for your Barrett’s Oesophagus critical illness cover.

Barrett’s Oesophagus Income Protection

It is possible to get Barrett’s Oesophagus income protection with a selection of insurers based on underwriting criteria and the severity of your condition. There are a number of insurance providers who would not accept or consider income protection for Barrett’s Oesophagus purely because of their philosophy and attitude to risk. If you have had issues getting Barrett’s Oesophagus income protection in the past then you should contact one of our team of experts to get some advice from a specialist.

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Frequently Asked Questions

Does Barrett’s Oesophagus mean that life insurance is difficult to get?

It really does depend on the severity of your condition and any other medical disclosures as to whether you will be eligible for Barrett’s Oesophagus life insuance, critical illness cover or income protection. Underwriter guidance will vary considerably from one company to another and over time so it is simply a question of researching the market to find which insurance company is best at the time of your application.

Why does having Barrett’s Oesophagus effect life insurance?

Put simply, any medical disclosure where there is a risk of either longer term damage to the body or there could be risks of developing other medical issues, there will be an impact on life insurance underwriting.

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For more information about Barrett’s Oesophagus life insurance, critical illness cover and income protection contact The Insurance Surgery on 0800 083 2829


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