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  • FIRST POST
    • TheProfessional
    • By TheProfessional 10th Aug 18, 9:53 PM
    • 5Posts
    • 0Thanks
    TheProfessional
    Income protection & Critical illness cover for preexisting conditions
    • #1
    • 10th Aug 18, 9:53 PM
    Income protection & Critical illness cover for preexisting conditions 10th Aug 18 at 9:53 PM
    Hi,

    I am in the market for IP/CIC but I have a pre-existing health condition. I have now been declined by two providers I applied through an online comparison site.

    Does anyone have any recommendations for how to go about getting cover even if this means they don't cover the condition itself?

    Many thanks
Page 1
    • MovingForwards
    • By MovingForwards 10th Aug 18, 10:49 PM
    • 205 Posts
    • 275 Thanks
    MovingForwards
    • #2
    • 10th Aug 18, 10:49 PM
    • #2
    • 10th Aug 18, 10:49 PM
    Several years ago I attempted to get cover, was also told not a cats hell. I am only good from the head up the rest of me has problems lol.

    There must be a financial advisor around who can help you, have you tried to find one?
    • csgohan4
    • By csgohan4 11th Aug 18, 9:22 AM
    • 4,763 Posts
    • 3,000 Thanks
    csgohan4
    • #3
    • 11th Aug 18, 9:22 AM
    • #3
    • 11th Aug 18, 9:22 AM
    Hi,

    I am in the market for IP/CIC but I have a pre-existing health condition. I have now been declined by two providers I applied through an online comparison site.

    Does anyone have any recommendations for how to go about getting cover even if this means they don't cover the condition itself?

    Many thanks
    Originally posted by TheProfessional


    Get a broker, MSE has a list of them in the life assurance section who also do income protection incidentally
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
    • dunstonh
    • By dunstonh 11th Aug 18, 1:43 PM
    • 93,956 Posts
    • 61,745 Thanks
    dunstonh
    • #4
    • 11th Aug 18, 1:43 PM
    • #4
    • 11th Aug 18, 1:43 PM
    Plus any local IFA or whole of market (in all areas) can also do this. They have the ability to contact the underwriters directly without an application being submitted to see how your case would be viewed by the insurer.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • TheProfessional
    • By TheProfessional 12th Aug 18, 6:02 PM
    • 5 Posts
    • 0 Thanks
    TheProfessional
    • #5
    • 12th Aug 18, 6:02 PM
    • #5
    • 12th Aug 18, 6:02 PM
    Thanks for the replies.
    I have looked at the main article and see Cavendish are listed as a broker so will chat to them.
    Regarding local brokers, is there a way of finding a good one apart from direct recommendation? Is there a professional body membership which may in some way indicate the ones to try? I would be happy to pay for a consultation with an IFA so I am at least aware of options
    • dunstonh
    • By dunstonh 12th Aug 18, 6:17 PM
    • 93,956 Posts
    • 61,745 Thanks
    dunstonh
    • #6
    • 12th Aug 18, 6:17 PM
    • #6
    • 12th Aug 18, 6:17 PM
    Regarding local brokers, is there a way of finding a good one apart from direct recommendation?
    This is fairly bread and butter for most. It shouldnt be an issue.

    Is there a professional body membership which may in some way indicate the ones to try?
    Anyone holding the appropriate regulatory permissions should be fine. That by default requires membership of a professional body and to be suitability qualified.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Weighty1
    • By Weighty1 13th Aug 18, 9:51 AM
    • 351 Posts
    • 144 Thanks
    Weighty1
    • #7
    • 13th Aug 18, 9:51 AM
    • #7
    • 13th Aug 18, 9:51 AM
    This is fairly bread and butter for most. It shouldnt be an issue.
    Originally posted by dunstonh
    I'd disagree somewhat with this. If it was standard IP/CIC then almost any IFA could help, however, the fact that 2 providers have already declined to offer cover obviously means there's something fairly major going on.

    OP, personally, I think you should try and source a broker who specialises in this area. You may get told straight away that you're simply not going to get cover and then save an awful lot of time. Alternatively, you may be told that whilst IP/CIC aren't options there are other "best alternatives" that would be worth considering.

    If you google IP/CIC and pre-existing health conditions there will be some specialist companies which crop up.
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