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Benign heart murmur seeks insurance !
markandlynn
Posts: 3 Newbie
Recently applied to legal and general for term assurance with critical illness cover.
The initial quote was for £17 per month for £75000 mortgage over 15 years covering both me and Mark.
Heart murmur was reported (it poses no risk to my health) L & G got info from my GP quote went up to £57 per month :eek:
Any suggestions where or what to do now ?
The initial quote was for £17 per month for £75000 mortgage over 15 years covering both me and Mark.
Heart murmur was reported (it poses no risk to my health) L & G got info from my GP quote went up to £57 per month :eek:
Any suggestions where or what to do now ?
0
Comments
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How can you say that a heart murmur poses no risk to your health>?
Are you a doctor?
I would suggest asking an IFA but you have to declare your condition on any application and see if they can come up with a cheaper quotation.0 -
Any suggestions where or what to do now ?
I would suggest shopping round.
Different insurers have diferent rules and it might be that you were just unlucky with L&G.
If it really is a benign condition (and I believe it's fairly common) then it would apppear that there is something wrong with L&Gs system.
You could challenge them and ask them why they are charging you more for a benign condition but it's probably easier just to shop around and find someone that doesn't want to charge you more.0 -
ejones999 wrote:How can you say that a heart murmur poses no risk to your health>?
Are you a doctor?
Snipped content.
My consultant and echo cardiologist has told me this.
It would remain an undetected condition if it were not for having had children
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Outrageous! I would challenge the decision and get your GP to back you up!
Are you sure there isn't anything else on your GP's medical report??0 -
L&G probably wrote the GP and are basing their decision on his comments.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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