Life insurance- specialist cover needed for mortgage

Pow11890

Hello All,

I would like someone advice on life & critical insurance we are trying to seek for my otherhalf. He has recently been diagnosed with a neurological condition. When we previously applied for insurance he was rejected on the basis the medial reviews (hosp apps) were still on going however the appts have all now been conducted. With indefinite outcome of diagnosis given with treatment recommendations. 

Please can anyone advice on any life & critical illness providers from experience or word of mouth- which we can apply at for a person with a pre existing neurological condition. Where the chances are fairly high of acceptance when application is made. 

We are happy to pay a higher premium if needed. However would like to get something arranged ASAP! 

Recommendations appreciated

Thank you. 

dimbo61

Have a look on moneysavingexpert website at life insurance with pre existing conditions.
Might help 

Slithery

Your title says 'needed for mortgage'.
The only insurance you need to have for a mortgage is buildings insurance.

SaverRate

Have a look at Cura Insurance Brokers. They were very good at arranging cover for me

Pow11890

Slithery said:

Your title says 'needed for mortgage'.
The only insurance you need to have for a mortgage is buildings insurance.

Thank you for the recommendation. What are the time scales like? Are they fairly proactive? 

Pow11890

SaverRate said:

Have a look at Cura Insurance Brokers. They were very good at arranging cover for me

Typically the case, but our lender has recommended cover as Apart of the mortgage application approval as a desirable. Plus we would like it to cover each other for worse case scenarios.

Pow11890

Please drop provider names below 👇 

canaldumidi

Slithery said:

Your title says 'needed for mortgage'.
The only insurance you need to have for a mortgage is buildings insurance.

Pow11890 said:

Slithery said:

Your title says 'needed for mortgage'.
The only insurance you need to have for a mortgage is buildings insurance.

Thank you for the recommendation. What are the time scales like? Are they fairly proactive? 

You can get buildings insurance instantly - use any comparison site.

But your question was about life/crit illness. These are optional insurances, though sensible if you have dependants eg children, non-working spouse etc.

https://www.moneysupermarket.com/life-insurance/pre-existing-conditions/

https://www.reassured.co.uk/life-insurance/life-insurance-with-pre-existing-conditions/

Also try contacting relevant charities eg

https://www.thebraincharity.org.uk/

https://www.neural.org.uk/

Pow11890

canaldumidi said:

Pow11890 said:

Slithery said:

Your title says 'needed for mortgage'.
The only insurance you need to have for a mortgage is buildings insurance.

Thank you for the recommendation. What are the time scales like? Are they fairly proactive? 

You can get buildings insurance instantly - use ay comparison site.

But your question was about life/crit illness. These are optional insurances, though sensible if you have dependants eg children, non-working spouse etc.

https://www.moneysupermarket.com/life-insurance/pre-existing-conditions/

https://www.reassured.co.uk/life-insurance/life-insurance-with-pre-existing-conditions/

Also try contacting relevant charities eg

https://www.thebraincharity.org.uk/

https://www.neural.org.uk/

Thank you for the links - we will review those - yes we’re eager to get the life and critical illness arranged asap! house & contents all sorted. Looking for life and critical insurance 👇👇

user1977

You want the insurance forum rather than this one.

https://forums.moneysavingexpert.com/categories/insurance-life-assurance

Pow11890

user1977 said:

You want the insurance forum rather than this one.

https://forums.moneysavingexpert.com/categories/insurance-life-assurance

Already posted there too!! I’ve posted In both given the cross over in topic