Refused life insurance and need it urgently

ACG

malchish wrote: »

insurance business is one of the most immoral businesses around, in my honest opinion. Do not hope for them to be humane. Be strong, you will survive the hysterectomy for sure. They always find every excuse to enrich themselves- your health is only an excuse to put up prices as much as you can bear. ONLY one principle matters: how much a consumer would fork out as a maximum. This is the price. Not the risk. Just "how much can we fleece from this person in those circumstances, max."

Aviva
L&G
Bright Grey

Most companies pay out in excess of 90% of claims. Does that sound like an industry that doesnt want to pay out? Read up and educate yourself before you start spouting rubbish.

System

ridvimes wrote: »

The hysterectomy operation -she wants to know things are in place before she goes in. .

But surely that would be a specific exclusion?

weighty1_2

ACG wrote: »

As Dunston says, i wouldnt expect to get terms until after the operation.
Even if you could it would probably have an exclusion around the operation and anything arising from it.

Clifford_Pope wrote: »

But surely that would be a specific exclusion?

I have NEVER had an exclusion placed on a life insurance plan, apart from when it is for hazardous pursuits and has been specifically requested by the client themselves. I don't know why people, especially advisers, keep suggesting that this may be the case.

In regards to the OP's post, some providers WILL offer cover when their is an impending operation, however, it is normally dependent on the age of the applicant and the mortality risk from the surgery. Surgery to the torso is seen as a bigger risk than surgery to a limb for example.

The fact that your sister has angina and is in her 50's awaiting surgery to her torso makes me think that most, if not all, providers would postpone an application until after the surgery has taken place. The only way to find out for sure is to approach an independent adviser who can liaise with the underwriters to discuss your sisters circumstances. I'd suggest she speaks to one who specialises in protection as this is outside the norm.

dunstonh

have NEVER had an exclusion placed on a life insurance plan, apart from when it is for hazardous pursuits and has been specifically requested by the client themselves. I don't know why people, especially advisers, keep suggesting that this may be the case.

I have had several over the years. Some ranging from no coverage on a certain event for x period or no coverage for a particular condition at all. I have also had cases that have had acceptance deferred until after diagnosis of symptoms or forthcoming operation.

That said, I have also managed to get some proposed exclusions removed when speaking with underwriting.

Lifeexpert

I would apply after the operation, most insurers will want to make sure there are no complications before offering terms...

ACG

weighty1 wrote: »

I have NEVER had an exclusion placed on a life insurance plan, apart from when it is for hazardous pursuits and has been specifically requested by the client themselves. I don't know why people, especially advisers, keep suggesting that this may be the case.

Exclusions/ratings are common practice where there is an increased risk of a certain condition. Im not saying that there WILL be an exclusion or a rating but if the OP is prepared for it then if it does happen it wont come as surprise.

weighty1_2

ACG wrote: »

Exclusions/ratings are common practice where there is an increased risk of a certain condition. Im not saying that there WILL be an exclusion or a rating but if the OP is prepared for it then if it does happen it wont come as surprise.

On the contrary, exclusions are extremely uncommon (some providers do not even have the capabilities to place exclusions on life plans, Zurich for instance), hence my original statement. Critical illness plans, yes, income protection yes, but not life only plans.

Bear in mind, I specialise in arranging cover for clients with high risk occupations, those who have dangerous hobbies, people with pre-existing medical conditions and armed forces personnel and as I say I have NEVER come across a life exclusion, except for a client who has requested it and then only in relation to certain dangerous hobbies.

This may have been different in the past, but within the last 6-years I would say exclusions on death have been non-existant.

prowla

Certainly medical insurance tends to have an "excluding preexisting conditions" clause.

Not sure about life insurance, but I would've thought it would be good business sense.

ACG

You have a good point on life only Weighty. As i generally do life and ci or more so IP you probably are right about the exclusions i think im generalising on protection as a whole. Im sure i have seen exclusions on life policies though - although appreciate these may be employment exclusions rather than health... i would need to have a look over past clients and im not sure i really want to do that.

I wouldnt know about the past i started to work for friends prov about 5 years ago and have been an advisor for the last 2 years or so.

kingstreet

Life cover is;-

- accept OR
- accept with loading
- defer
- decline.

It's critical illness and PHI where the exclusions appear, as weighty and ACG have suggested.

Ignoring occupation/pursuits issues, of course.