Life insurance... HEEEEELP!

emily_june

any one knows of a good life cover?
i am looking for insurance which will cover any medical condition, do not mind to pay higher premium

reason?

Family member was recently diagnosed with a rare condition; when claiming under life insurance the claim was delined as they do not accept this condition!; he is now unemployed, his emloyer refused after 9 month of sickness to pay any vages.... the mortgage is now affected - the lot

i have virging cover, however they only accept 10 medical conditons

i had once meeting with independent financial advisor who was not much help;

also looking online my head is spinning from all the policies

applied for london victoria, gon through to a call cetre... fine thought i can get more advise on what i am looking for - but got not much help either

pleeeeease heeelp

dunstonh

Life cover pays out on death. Virtually all forms of death are covered. Even suicide after a period.

Are you sure its life cover you are on about or perhaps critical illness cover, accident sickness & unemployment or permanent health insurance?

i had once meeting with independent financial advisor who was not much help;

Possibly confused by what you actually want. No offence, but your post is a mixture of information

Rather than say you want life cover, can you tell us what you want to be covered and then we can give the generic information on the type of policy you are really after. It doesnt sound like life cover so far.

payless

EDIT crossed with DD's reply


Life cover, once in force has very few exclusions, they seem to pay out for Death in most cases

Critical illness is another issue, yes some cover more conditions than others, some have different claim definations of the same illnesses. Medical science is improving ( or so they tell us) and what someone used to call critical may no longer be classed that these days

From what you say - perhaps its insuring income ( top pay bills) thats more of a worry, ( a way I often view cases) have you looked at income protection ( aka PHI) whilst possible exclusions / conditions , the claim is based more on ability ( or lack of it) to work than actual medical condition.