Anyone living with a pre-existing medical condition such as Brittle Bone Disease who is looking for life insurance will be required to provide additional information about there condition for insurance underwriters to be able to accurately assess their applications. Most cases we see for Brittle Bone Disease life insurance are required to be supported by a full medical report so that the insurer can view the full history as it can be a complex condition.
Most applications for Brittle Bone Disease life insurance will be reviewed on an individual case by case basis by an insurance underwriter and terms offered will be based on several factors, such as:
- What age you were when you were diagnosed with Brittle Bone Disease
- Which type of Brittle Bone Disease you suffer from
- How severe are your symptoms / what effect on your joints
- Type of treatment / medication
- Any hospital admissions or time off work
There are several insurers we can approach for Brittle Bone Disease life insurance who will offer cover in most cases and can be from a moderate rating up to decline depending on the severity of the condition. Due to the degenerative nature of Brittle Bone Disease and life insurance underwriting you will find that almost all cases will incur some sort of a premium loading and the level of the rating will depend on your own individual circumstances.
The Insurance Surgery also works with several specialist insurers who offer various products that may be more suited to people looking for Brittle Bone Disease life insurance and especially if you have had trouble getting cover in the past.