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Parkinson's Life Insurance

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Parkinson’s Life Insurance

Parkinson’s Disease Life Insurance

When applying for Parkinson’s Disease Life Insurance some detailed information will be required for underwriters to consider your application such as:

  • When you were diagnosed
  • Medication required
  • Details of symptoms including frequency and severity
  • Any walking aids required
  • Any carers / additional support required
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Here at The Insurance Surgery, we specialise in helping those with pre-existing medical conditions to apply for life insurance. Parkinson’s Disease Life Insurance is just one of our many areas of specialism. We have years of experience and know where best to look for cover from across the market.

Case Studies

  • Client: Male
  • Age: 49
  • Smoker Status: Non-Smoker
  • Cover Date: February 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £10,000
  • Cover Term: 10 years
  • Premium: £21.52

Most Common Questions

We answer your most frequently asked questions.

When you apply for life cover with a pre-existing condition to disclose, your application will be passed to underwriters to assess. The cost for cover will be reflective of your individual circumstances. Being an expert specialist insurance broker The Insurance Surgery has fantastic market knowledge so can place your application with the provider who will look most favourably at your condition.

The Insurance Surgery are often able to find you cover even if you have been declined elsewhere. As a specialist in insurance for people with pre-existing conditions such as Parkinson’s Disease, we know who to apply to. We put in the hard work to obtain all the information that the insurers will need to make a decision on your application.

The Insurance Surgery have over 20 years of experience in guiding customers through this specialist insurance application process. Putting in the hard work researching the market and dealing with insurers so you don’t have to.

UK Parkinson’s Disease Statistics…

  • There are around 127,000 people in the UK with Parkinson’s
  • Most people with the disease will first notice symptoms age 50+
  • Around 1-20 of those with Parkinson’s have symptoms before the age of 40
  • Slightly more men than women are affected

What Is Parkinson’s Disease

This is a neurological condition which causes progressive damage to the brain as the years pass. It is caused by a loss of nerve cells in a part of the brain which then leads to a reduction in the amount of the chemical dopamine in the brain. As dopamine plays a part in regulating movement it is the reduction of this chemical that results in the symptoms commonly seen with Parkinson’s. The underlying cause of the condition is unclear.

Life Insurance for Parkinson’s disease

If you suffer from Parkinson’s disease, and you’re looking for life insurance – it is entirely possible that cover is available to you. Unfortunately, it is highly likely that you will need to pay for a high premium as a result of the added risk that you condition presents to the insurer. When applying for Parkinson’s life insurance, the insurer may need to know:

  • When you were diagnosed
  • Medication required
  • Details of symptoms and frequency
  • If any walking aids are required
  • Any carers/additional support is required

Parkinson’s Disease Critical Illness Cover

Similarly to Parkinson’s Life Insurance, Critical Illness Cover (CIC) can be obtained if you have Parkinson’s Disease. However, it is possible that you may have exclusions to your policy, or a loading (price increase) applied to your premium.

This depends entirely on the severity of your condition and each insurer will access your case differently.

Parkinson’s Disease Critical Illness Cover

Income Protection for Parkinson’s Disease can be a bit tricky to obtain, however it is possible to get other forms of cover. Depending on your severity, you may have a higher premium to pay or an exclusion placed on your policy: either excluding your condition for a certain period of time or excluding it from your policy entirely.

Symptoms Of Parkinson's Disease...

The three main symptoms typical of Parkinson’s Disease are:

  • Tremors – Shaking is most often seen in hands and arms when the limb is released
  • Muscle Stiffness – This makes movement and facial expressions difficult and can cause painful cramps.
  • Slowness of Movement – Making daily tasks difficult to carry out

Some possible difficulties / complications of Parkinson’s Disease

  • Difficulty swallowing
  • Dementia
  • Depression
  • Sleep Problems
  • Bladder Problems
  • Constipation
  • Sexual Dysfunction

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Treatments Available For Parkinson’s Disease

Parkinson’s Disease is a long-term condition with no cure. Symptoms can be eased with a care plan to include therapies such as physiotherapy and occupational therapy. Good diet and exercise are vital to managing the condition.There are also various medication options to ease some of the typical symptoms such as tremors. Surgery may be available in the form of ‘Deep Brain Stimulation’, this involves fitting a device that sends impulses to the brain to help increase activity and reduce the severity of symptoms.

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