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    • Mia_killeshil
    • By Mia_killeshil 24th Jan 18, 4:34 PM
    • 3Posts
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    Mia_killeshil
    Life insurance for chronic renal condition
    • #1
    • 24th Jan 18, 4:34 PM
    Life insurance for chronic renal condition 24th Jan 18 at 4:34 PM
    Hi martin & team
    I was wondering if you can advise me on a question. My husband has a renal condition called renal tubular acidosis. We had lookedinto life insurance with a broker however he advised us that my husband was uninsurable.
    Are u aware off any insurance companies might insure him and if not wat other options are available for cover.
    Thanks maria
Page 1
    • dunstonh
    • By dunstonh 24th Jan 18, 4:39 PM
    • 91,078 Posts
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    dunstonh
    • #2
    • 24th Jan 18, 4:39 PM
    • #2
    • 24th Jan 18, 4:39 PM
    There are some insurers that consider those that are uninsurable through mainstream providers. However, you do need to consider that the premiums reflect the risks.

    We had lookedinto life insurance with a broker however he advised us that my husband was uninsurable.
    If it was a whole of market adviser or IFA then they should have access to the niche providers. If it was online service then they tend to cherry-pick the easy stuff or operate a panel rather than everybody. Or if it was a tied agent, they can only offer what they have in their range and not everyone else.
    Last edited by dunstonh; 24-01-2018 at 8:18 PM.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Weighty1
    • By Weighty1 24th Jan 18, 5:53 PM
    • 259 Posts
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    Weighty1
    • #3
    • 24th Jan 18, 5:53 PM
    • #3
    • 24th Jan 18, 5:53 PM
    Often for kidney related conditions insurers look at things such as the applicants eGFR. If this is severely impaired then it can even affect the niche/specialist providers ability to offer cover and the main niche provider has recently withdraw from the market anyway, unfortunately.

    You could look at the over 50's type policy's if your husband is old enough or there's a provider called ESMI who do a guaranteed acceptance plan, however, this would exclude death caused by a pre-existing condition so you may not feel that this is appropriate.
    • Cyclizine
    • By Cyclizine 24th Jan 18, 6:20 PM
    • 43 Posts
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    Cyclizine
    • #4
    • 24th Jan 18, 6:20 PM
    • #4
    • 24th Jan 18, 6:20 PM
    What type of RTA? I can't see why he should be uninsurable. I suspect the broker hasn't heard of the conditions and doesn't know what to put on a form.
    • Mia_killeshil
    • By Mia_killeshil 14th Feb 18, 7:35 PM
    • 3 Posts
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    Mia_killeshil
    • #5
    • 14th Feb 18, 7:35 PM
    • #5
    • 14th Feb 18, 7:35 PM
    Hi its type 1 and renal function is down to 23%.
    • Mia_killeshil
    • By Mia_killeshil 14th Feb 18, 8:20 PM
    • 3 Posts
    • 0 Thanks
    Mia_killeshil
    • #6
    • 14th Feb 18, 8:20 PM
    • #6
    • 14th Feb 18, 8:20 PM
    Thanks i looked at ESMI but they dont cover northern ireland.
    Thank you anyway
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