Life insurance for kidney failure

hammers81uk

Hi,

IM not finding this easy to talk about but im a 32 yo male,. I am type 1 diabetic and i have recenetly found out that my kidney function is down to 20& meaning I will need transplant etc etc in the near future, I have no life insurnace but really dont want to leave my wife with no money to help later on shold the worse happen while im waiting for a transplant, does anyone know if its possible to get a form of life insurance in these circumstances anywhere?

kingstreet

There are specialist brokers and providers for "impaired life" cases. I suggest you speak to an IFA in the first instance. Make sure you get truly independent, whole market advice and this should connect you with the best product/premium for your circumstances.

Don't just apply to the first mainstream provider on Google, as this will almost certainly leave you declined, or paying more than might be the case...

weighty1_2

In all honesty, I think you may have little luck in arranging cover on the basis that you are definitely going to need a transplant in the near future.

I have arranged cover for several clients who have had kidney transplants but even the specialist providers are unlikely to want to cover you prior to transplant surgery.

Obviously, this won't be what you want to hear and don't just take my word for it but I'd be highly surprised if you found a provider willing to take you on just now.

Are you a member of an occupational pension scheme? This could potentially offer some death in service with it.
Alternatively, are you a member of a union. Some unions sometimes offer plans which require no underwriting. I'm sure that Unite the Union used to offer a plan through LV= however I can't find the details on their website so this may have changed.