Dystonia Life Insurance, Critical Illness Cover and Income Protection
Our team of insurance experts are highly experienced in dealing with people with non-standard circumstances such as Dystonia life insurance, critical illness cover and income protection. We are a whole of market insurance advisers so we have access to the top insurance providers as well as some unique and specialist products which means that we are more likely to be able to get you Dystonia life insurance, critical illness cover and income protection than most. If you are looking for life insurance or other types of cover to protect yourself, your family, your home or your business then you should speak us. If you have applied for Dystonia life insurance, critical illness cover and income protection in the past and not been able to get the cover you need at the price you can afford then we are here to help. Life insurance and other types of personal cover are one of the most important things you need to make sure that you are financially secure regardless of what happens in the future.
How Dystonia life insurance, critical illness cover and income protection works
Having Dystonia can affect how underwriters will look at life insurance, critical illness cover and income protection for an individual which will be based on:
- When you were diagnosed with Dystonia
- Treatment or Surgery
- Medication (e.g. type and dosage)
- Frequency and severity of symptoms
- Any other medical conditions / health problems
The Insurance Surgery is a leading insurance expert for anyone classed as non-standard by underwriters which may result in other requirements such as GP reports, medical records or specialist reports to assess your application. For Dystonia life insurance, critical illness cover and income protection there will be a need to produce some medical evidence and to disclose further information.
Dystonia Life Insurance
The potential impact that having Dystonia can have on life insurance premiums can vary from an increase to the premium that you pay, special terms or even a potential decline in more severe cases. Generally in the vast majority of applications that we have seen for Dystonia life insurance there is a requirement to provide some medical evidence in the form of a medical report from your GP or specialist to support your application.
Underwriters will assess your condition to be able to offer terms for Dystonia life insurance based on several key factors which will include:
- When you were diagnosed with Dystonia
- Severity and frequency of your symptoms
- Whether you have had any surgery and when that was
- Which medication you are currently taking and what dosage
If you have applied for Dystonia life insurance in the past and your application was offered on special terms (e.g. rated premiums) or if cover was declined then you should speak to one of our experts. The Insurance Surgery also has access to a number of specialist life insurance products which may be more suitable if your condition is more severe and therefore cover for Dystonia life insurance is not available through the standard markets.
Dystonia Critical Illness Cover
If you have been diagnosed with a pre-existing medical condition such as Dystonia and you need critical illness cover then you will need to provide additional information and evidence to insurance underwriters to assess your application. The standard process for a Dystonia critical illness cover application is when you have disclosed your condition that you will be asked to provide a medical report from your GP or specialist.
As with most neurological conditions it is possible to get critical illness cover however there is also a chance that cover may be offered with special terms such as exclusions or even potential decline in more severe cases. There are several different types of Dystonia and all have a different effect on whether you will be able to get Dystonia critical illness cover.
It is worth speaking to one of our Dystonia critical illness cover experts to see what we can do to help you as we can offer cover where others have failed and we have access to products that other companies do not.
Dystonia Income Protection
Having Dystonia can have an impact on whether income protection will be available to you or not depending on how severe your symptoms are and whether you have had to take much time of work because of your condition. Dystonia income protection can be difficult to get because of the additional risks relating to the ability to work and potential issues that a person with Dystonia may experience.
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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
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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
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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.
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Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
Nicola Storr
Useful Links
If you are looking for cover such as Drug abuse life insurance, critical illness cover and income protection then you should contact one of our experts to see what we can do to help and save you money.
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