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can't get covered

lint1
lint1 Posts: 1 Newbie
First Anniversary
in Insurance & life assurance
advice please.y daughter wants to get life insurance  as she has rheumatoid arthritis she can't seem to get anyone to cover her.
has anyone got any ideas.

Comments

  • DCFC79
    DCFC79 Posts: 40,644 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 11 April 2021 at 5:01PM
    lint1 said:
    advice please.y daughter wants to get life insurance  as she has rheumatoid arthritis she can't seem to get anyone to cover her.
    has anyone got any ideas.
    We don't know where you have tried nor if you have tried a comparison website, if you haven't then give it a go

    Maybe try an insurance broker.
  • Weighty1
    Weighty1 Posts: 1,229 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    lint1 said:
    advice please.y daughter wants to get life insurance  as she has rheumatoid arthritis she can't seem to get anyone to cover her.
    has anyone got any ideas.
    I'm guessing that she's on some form of immuno-suppressant medication like Methotrexate, maybe?  Or maybe she is on long-term steroid (prednisolone) treatment?

    Currently, due to Covid most insurance companies have reduced their tolerance of how much they will increase a premium by before declining to offer terms.  It could simply be a case of unfortunate timing on your daughters part.

    You'd ideally want to use a specialist insurance broker with experience of dealing with clients with pre-existing medical conditions.
  • Jaybee_16
    Jaybee_16 Posts: 549 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Have you tried contacting these for advice?

    NRAS | Rheumatoid arthritis charity


  • Sandtree
    Sandtree Posts: 10,628 Forumite
    10,000 Posts Fourth Anniversary Name Dropper
    Other than to spam threads why on earth would you say a non-advised broker is better than an advisory broker? They are equally bound to give you the facts but can also give their expert opinion which can be very helpful in determining which policy is best for you rather than just the cheapest. Similarly they are obliged to record the reason why they recommended one product over another (to counter the potential concern that you think they'd recommend the one giving them the most commission rather than the one best for you).

    Non-advised sales certainly have their place and for simple mass market products their thinner margins all help lower premiums but in complex products its much more questionable and there is no cost savings for going non-advised
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