Life Insurance For Disabled Person 5 April 2022 at 1:44PM in Insurance & life assurance 4 replies 81 views

CatLadyJo

Hi.  I'm 42 and DH is 41 and I want to sort out life insurance for us both.
The 'problem' I have though, is that I'm disabled with many and varied health problems, and if I had to list them for the purposes of disclosing them to the insurance provider, I'd still be here next week and no doubt would end up forgetting something, thereby voiding any policy.
Because of this, I'm thinking that one of those guaranteed ones would be better, so I'm after recommendations/company names, if possible.  The only ones I've managed to find so far seem to be for over 50's.
I did go to Smart Insurance, but they want to ring me, and as I have hearing problems I can't do that (can't find an option that would allow me to do anything via online chat, email etc).
Thank you so much. Jo.

TELLIT01

You may be better to find a broker to work through.  Provide them with a complete list of your health problems and let them do the work.  It's a specialised area so comparison sites aren't going to be much help.

dunstonh

The 'problem' I have though, is that I'm disabled with many and varied health problems, and if I had to list them for the purposes of disclosing them to the insurance provider, I'd still be here next week and no doubt would end up forgetting something, thereby voiding any policy.

Is it likely you would miss anything?
And realistically (as you know your health conditions best), do you think a life assurance company would offer you terms at a reasonable price?

Being disabled doesn't always impact the costs as it depends on the disability.  However, if the disability affects your life expectancy, then it would do.  And the severity may result in them not offering terms at all.

Because of this, I'm thinking that one of those guaranteed ones would be better, so I'm after recommendations/company names, if possible.  The only ones I've managed to find so far seem to be for over 50's.

They are an option of last resort and should not be used if you can get conventional life assurance at a reasonable cost.

Do you have a significant life assurance need in your respect?  i.e. could you use alternative things like a pension or S&S ISA to build up a lump sum on your side.   Your husband could still do life assurance covering him.

CatLadyJo

Thank you for the replies!
I'll try and answer the questions put to me...
*Whilst I *could* give a list of all my problems, I have knock-on symptoms that could be due to my on-going problems, and as I've seen 2 family members have policy's denied to them because they didn't disclose everything (for instance, my MIL had holiday insurance refuse to pay out on her contracting pneumonia whilst away as she hadn't told them she'd had a chest infection 5 years previously).  I know that I would fall foul of this 
*Whilst my health problems aren't life-limiting (spinal/muscles/nerves etc), I probably would get a competative price, but as stated above, I can't guarantee I'd be able to specify everything I've ever had.
*Due to my disability, I can't work, so have no private pension or savings.  We just about exist.  My DH would struggle too with his own health problems (we make a right pair!).  We don't have a mortgage, but I wanted *something* that would pay off my debts, funeral and give our kids a small nest egg; was thinking £20-£30k.
It's such a minefield and I've been putting this off for years now, but my friend getting cancer has been the proverbial kick I needed to get something sorted out for my family.
Thank you again!

Weighty1

The chances are, if you have so many conditions to disclose that the insurer would want to write for a GP report and this puts more fo the onus on the GP to provide the insurer with all conditions of significance so the chances of a claim being declined latterly due to a non-disclosed issue is minimised.