Life Insurance with Crohns Disease?

Dawn248

This is s strange query. I am going through a messy divorce from an abusive man. My two daughters never want to see him again and he is paying child maintenance for my youngest daughter. We don't have anything formal yet re maintenance and are in the process of having a Consent Order drawn up by his solicitor to finalise a financial settlement. His solicitor is doing the order because he can pay the legal fees.
I have asked that there be some kind of insurance so if he becomes ill or dies, I will receive a sum of money to compensate for the loss of Child maintenance and that this will be written into the Consent Order. He may also possibly try to disappear after the divorce is legal and stop paying if he wants to.
He is now saying he can't get life/health insurance because of a diagnosis of Crohns but we both have life insurance policies and I can't see how a recent diagnosis like this would make his insurance void?
Crohns isn't life threatening as far as I know.
Does anyone have any experience with life insurance and Crohn's disease or with getting maintenance protected in case of illness? I know it may sound morbid but his maintenance makes a large contribution to our income and we are already struggling now.

kingstreet

Cover effected previously, before this diagnosis is unaffected.

He may have difficulty obtaining new cover in the future.

Dawn248

Thanks for posting. So the insurance he's paid up to now can be frozen so to speak? He is saying that until the condition is stabilised and a treatment plan is in place, he is effectively uninsured.
He is extremely untrustworthy but I want to check my facts before antagonising him by suggesting the insurance is still valid.

Weighty1

His existing life insurance will be completely unaffected by the diagnosis of Crohn's.

If the diagnosis is very recent, or if he's had a major flare up recently then some providers will postpone offering terms on a NEW policy until it has stabilised for at least 6-months. I've dealt with quite a lot of clients with gastrintestinal conditions such as crohns or ulcerative colitis and generally, unless it is very mild you'll be looking at a premium increasing by about 150% (there or there abouts). This means a £20/month premium suddenly becomes £50/month.

I think the problem you may have is forcing him to take out cover as it doesn't sounds like he's likely to be co-operative. You'd probably need to enforce this as part of the divorce proceedings. You'd also want the insurance written as a "life of another" case. This is were you would pay the premiums and own the policy. It would prevent him from cancelling the insurance at any point.

Quentin

The only safe way for you to get what you want is for you to take out a policy on your husband and pay the premiums yourself.

teddysmum

Societies for certain ailments (eg diabetes) often have special arrangements with companies willing to insure people with their disease. I don't know how prices compare , though.