Life insurance after abnormal smear

dizzybuff

So heres the low down , I already have life insurance in place that was set up before my abnormal smear. So it is not a pre existing condition.


I now need new life insurance as I have moved house and need to increase my decreasing insurance .


Does anyone know of a insurance company who actually understand an abnormal smear is not cancer. :(

lisyloo

Did you have another smear? Was it clear?

Keep you current policy. Do NOT cancel it, certainly not yet.
It may be cheaper to have two, one for the additional you need.

dizzybuff

thanks , No ive had a leetz and this has shown there was no CIN just swelling and ulceration ( I have polyps) test of cure in august

Weighty1

If you've been left on normal 3-yearly smears then I don't think it'd be a massive problem, although most companies would want a GP report, however, there might be an easier alternative. Your existing cover might have "guaranteed insurability options". If these are included, and they often are, you might be able to increase the level of cover without actually having to re-apply. Typically this would only be viable if the mortgage term is the same and it's just the amount borrowed which has increased.

dizzybuff

thanks weighty , my term is 18 years , which should be the same, ill dig everything out tonight ,
Who would have thought life insurance could be so hard

kidmugsy

I rate this writer highly.
http://monevator.com/life-insurance-and-protection-a-primer-or-why-you-should-buy-renewable-term-life-cover-most-of-the-time/

Weighty1

We know, you link them on every post

Weighty1

kidmugsy wrote: »

I rate this writer highly.
http://monevator.com/life-insurance-and-protection-a-primer-or-why-you-should-buy-renewable-term-life-cover-most-of-the-time/

We know, you link them on every post