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Life Insurance with Idiopathic Spastic Paraplegia (ISP) TM

Overview

The availability of Life Insurance for those with Idiopathic Spastic Paraplegia (FSP) depends on many factors. Pulse specialise in finding cover when most insurers decline.

It is however difficult to generalise as each person is uniquely affected by Idiopathic Spastic Paraplegia (FSP).

Not all standard insurers are willing to offer Life Insurance to anyone with Idiopathic Spastic Paraplegia (FSP); Pulse can find cover for some, but not all individuals.

If you have not already been declined for life cover, you could consider approaching mainstream insurers first.

 

Life Insurance if insurer decline

Pulse Insurance are specialist in finding Life Insurance solutions for those who have medical conditions which may affect the cost and availability of Life Insurance. Each case is individually reviewed and rated by an expert underwriter and as a consequence of this bespoke handling, there is a minimum sum insured of £25,000.

Where you also have other serious medical conditions, it is likely that you may be declined by mainstream insurers and Pulse can help some in this situation.

All aspects of your condition(s) will need to be into account.

And as each person’s situation is likely to be somewhat unique and while generalisations are difficult, Life Insurance premiums will be somewhat higher than standard premiums.

You are welcome to contact us in the first instance before submitting an online enquiry, if you prefer.

 

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 your increased risk, we like to think we are good at helping people find the cover they need.

 

Being Transparent

It is always important to declare all your medical conditions completely.

 

Your Personal & Medical Details

Everything you disclose about your health and any medical conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

 

Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your health and you should take care to disclose everything. These factors will be explicitly considered when determining the 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 Idiopathic Spastic Paraplegia (FSP) 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. 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. 

Need help? Call us on: 01280 841430