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Multiple Sclerosis and Life Insurance.
Flimber
Posts: 736 Forumite
Hi All,
Anyone got a horror tale (or better still a success story !) with regard to acquiring life cover when there's MS in the family (but not necessarily in the genes
).
The g/f's Dad died from MS a few years ago. She's just tried to arrange mortgage-related life cover through Norwich Union and been rebuffed on full cover (i.e., covered for death or critical illness "other than conditions affecting the central nervous-system, including Multiple Sclerosis)".
AFAIUI, MS is not an hereditary condition. Some research suggests a slight predisposition in offspring of MS sufferers. In other words, she is fractions-of-a-percent more likely to be susceptible to MS than somebody picked at random from the general population. She's had life insurance/assurance before - even with NU - and has never had to resort to partial cover (and has always mentioned her Dad's illness). Was she just lucky in the past or are the rules changing ?
Is it reasonable for NU to refuse full cover ? Is it worth arguing with them about it ? And are any other insurers known to be less bothered by 'MS in the family' ?
Thanks for any help,
Mike.
Anyone got a horror tale (or better still a success story !) with regard to acquiring life cover when there's MS in the family (but not necessarily in the genes
).The g/f's Dad died from MS a few years ago. She's just tried to arrange mortgage-related life cover through Norwich Union and been rebuffed on full cover (i.e., covered for death or critical illness "other than conditions affecting the central nervous-system, including Multiple Sclerosis)".
AFAIUI, MS is not an hereditary condition. Some research suggests a slight predisposition in offspring of MS sufferers. In other words, she is fractions-of-a-percent more likely to be susceptible to MS than somebody picked at random from the general population. She's had life insurance/assurance before - even with NU - and has never had to resort to partial cover (and has always mentioned her Dad's illness). Was she just lucky in the past or are the rules changing ?
Is it reasonable for NU to refuse full cover ? Is it worth arguing with them about it ? And are any other insurers known to be less bothered by 'MS in the family' ?
Thanks for any help,
Mike.
0
Comments
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It may be possible to obtain this life insurance through the Multiple Sclerosis Society Insurance Services. Speak to them on Freephone 0800 7833 157.My weight loss following Doktor Dahlqvist' Dietary Program
Start 23rd Jan 2008 14st 9lbs Current 10st 12lbs0 -
Go to an IFA/independent protection advisor. Make them aware of the situation and they can phone round the top priced providers before submitting an application to make sure there will be no issues or if there are, what they will be.
NU are not appearing regularly at the top of the pricing list at the moment so there would be some saving on the premium too at the same time.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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