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Thread: Life insurance for the disabled?

  1. #1
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    Life insurance for the disabled?

    Please can anybody help i am looking into life insurance and seems impossible to get life insurance cover, when you get asked medical questions you just hit a wall and sorry we would not insure you, the medical conditions that i have are Tonic-clonic seizures around 5 a month i have also had a heart attack which then inturn left me with angina also i have a enlarged heart. I am a male of 45 a non smoker and dont drink.

    So i am looking for some help in trying to find a insurance company that would cover me i found one company but to cover me for the sum of £4,000 they want £22.00 a month which if need be i would have to pay but it seems alot of money for a small amount insurance could anybody help please.

    Thanks to all for your time and help.
    Last edited by darren12; 01-10-20 at 20:04.

  2. #2
    Senior Member nukecad's Avatar
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    Cover will be more expensive if you want to include your existing conditions.

    You can get cheaper policies if you don't don't cover pre-existing conditions but only death from other causes. (Which seems pretty useless and just another way of avoiding paying out).
    https://ablemagazine.co.uk/a-guide-t...sabled-people/

    Have you found this website? https://www.insurancehero.org.uk/faq...dividuals.html

    TBH as you are only talking about £4,000 would you not be better looking for a Guaranteed/no medical plan?
    These are 'Life Assurance' rather than 'Life Insurance': https://www.legalandgeneral.com/life...-vs-insurance/

    Although the adverts you see are usually for 'Over 50s plans', there are similar plans available for under 50s as well.
    Here's an example:
    https://www.bonaccordlife.com/guaranteed-acceptance/

    In the end though as with any insurance it's basically a case of shopping around.
    Last edited by nukecad; 02-10-20 at 13:33.
    I don't know everything. - But I'm good at searching for, and finding, stuff.

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  3. #3
    Senior Member gus607's Avatar
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    Same as car insurance. An accident prone driver with numerous claims would or should pay more.

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