Life Insurance for those with genetic illness

Zaphod_Beblebrocks

Does anyone know of companies that will consider those with genetic illness(myotonic dystrophy) for life insurance, wifes cover lapsed when we cashed in endowment but before we could take out any other insurance she had to have a genetic test due to a relative having this,the result was positive and Halifax have turned her down now we will have to answer the have you ever been refused question as yes and I can't see anyone insuring her.

dunstonh

Go to an IFA or whole of market protection advisor and give them the info. They will do the searches for you before placing the application. IFAs/prot advisors can ring up the underwriters directly and ask them if they will accept it and on what terms.

moneyandmountains

I would phone the Muscular Dystrophy campaign, see http://www.muscular-dystrophy.org/ for details.

You can be sure that other people have had this question before, and support organisations sometimes have special arrangements with 'understanding' insurers. Sometimes hospital clinics may also be able to point you in the correct direction.

Of course, this is in addition to getting a quote from an IFA.