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Life insurers for difficult cases

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Hello, my cousin has had some health challenges and despite no evidence for a serious condition/illness the consultant couldn’t rule out that he may have had a more serious health episode. Despite any evidence and clear cause for the symptoms an insurer has denied his application. Are there specialist insurers that still insure cases like this? He is still young and is healthy otherwise. 

Comments

  • Richard1212
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    A number of specialist brokers specialise in trying to find life insurance for cases in which the health issues are "challenging". There's plenty listed on google, including Pulse, Moneysworth and Insurance Surgery. Seek the views of some of them and you'll probably be able to know whether there is any chance at all of a successful life insurance policy. 
  • dunstonh
    dunstonh Posts: 117,062 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    edited 25 August 2023 at 11:39AM
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    Despite any evidence and clear cause for the symptoms an insurer has denied his application.
    If a medical condition has yet to be diagnosed, then insurers will normally reject until the diagnosis has been confirmed.      If the diagnosis has been confirmed, then insurers will consider it as part of their normal underwriting.   

    Are there specialist insurers that still insure cases like this?
    It depends on what the diagnosis is.  Sometimes it may be a condition that a particular insurer doesnt like covering and a change of mainstream insurer may be the only thing necessary.    Of it is a condition that is unlikely to see covered by the mainstream, then yes, there are specialist insurers that will consider high risk cases but the premiums will reflect the risk.   And often, that means seriously high premiums.

    Ideally, he wants to be looking at a broker that specialises.  Not a generalist broker or website.  Hopefully @Weighty will be along in due course as he is the poster most likely to have the best suggestions in this case.



    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • prettyandfluffy
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    Contact https://www.biba.org.uk/find-insurance/ who will be able to suggest appropriate insurers.
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