Underwriting for Vitamin B12 Anaemia or Folate Anaemia life insurance will depend on the following factors. Insurers may ask you the following questions:
- When were you first diagnosed with a Vitamin B12 deficiency?
- Do you take any medications to supplement your condition?
- Have you received any medial treatment for your condition?
- Are you receiving Vitamin B12 injections?
- Is your Vitamin B12 deficiency linked to any other medical conditions?
- Are you affected by your Anaemia in terms of your ability to work?
- Is your doctor currently satisfied with your Vitamin B12 levels?
If you have Vitamin B12 or Folate Anaemia and you have regular health checks with your GP and your Anaemia is under control, it is likely that most insurers will offer you standard life insurance cover with standard terms. If however you have experienced symptoms as a result of your Vitamin B12 or Folate Anaemia, an insurer will want to know which medications you are taking and whether you are seeking treatment via your GP to get your B12 levels back to a more normal level.
An insurer may want to discuss your application with you in more detail to determine the severity of your Vitamin B12 or Folate Anaemia. For instance, an insurer may want access to details of the date of your initial diagnosis, and details of any other medical-related complications. At The Insurance Surgery, we have helped many people find the right Vitamin B12 or Folate Anaemia life insurance cover for their needs.
There are also additional factors that could affect your Vitamin B12 or Folate Anaemia life insurance premiums. These are:
- Your age
- Whether you smoke
- Your general health and fitness
- Your family’s medical history