Life insurance with Blood Disorders
Overview
Life Insurance for those with blood disorders is not always available from mainstream life insurers. Finding cover at an appropriate premium will involve specific personal assessment of individual health and medical condition(s).
Please review our dedicated information for the following Blood Disorders:-
- Anaemia
- Bleeding disorders such as haemophilia, blood clots
- Blood cancers such as leukemia, lymphoma, and myeloma.
- Myelodysplasia or Myelodysplastic syndrome (MDS)
- Sickle Cell Anaemia
- Thalassaemia
Many blood disorders do present increased risk to longevity. Life Insurance premiums are likely to be higher. But, each person’s case is different and needs due consideration by a life underwriter.
Pulse Insurance specialise in finding cover for those with Blood Disorders and other conditions, when other insurers decline.
If you have not already been declined for life cover, you could consider approaching mainstream insurers first.
Key Issues for Blood Disorders
The main aspects affecting the availability and cost of Life Insurance for those with Blood Disorders are: –
- Type of Blood Disorder
- Prognosis & Severity of symptoms
- Treatment undergone / Medication taken
- Any other complications or other conditions
It is likely that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.
If you need a specialist underwriter
Pulse specialise in taking your Blood Disorder and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are rather good at helping people find the cover they need.
In many Blood Disorders cases, we can offer indicative premiums and/or sense of if cover may be available early on; so, you can decide to proceed or not.
Being Transparent
It is always important to fully declare your Blood Disorders and any other medical conditions.
Your Personal & Medical Details
Everything you disclose about your Blood Disorders to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Your Health
Every person with more serious Blood Disorder(s) knows that their state of health, any complications and their lifestyle will impact their risk and the cover available. These factors will be explicitly considered when determining the fair premium, you would pay.
Requirements for more information
While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Blood Disorder and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Additional Covers
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
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- Beyond Life Insurance
- More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.
Useful Blood Disorders resources
We suspect if you have read this far, you are relatively well informed about your Blood Disorder.
You may know of or find these external resources useful; although Pulse are inevitably not responsible or in control of the accuracy or nature of the information provided.
Downloadable Forms
Make an enquiry