Life Insurance with Myositis
Life Insurance is usually available for those with Myositis, but more severe cases / forms can see mainstream insurers decline to offer Life Insurance cover.
For those suffering from Myositis who also suffer from other underlying problems with their immune system such as Systemic Lupus Erythematosus, Scleroderma or even Rheumatoid Arthritis or even with cancer, it will be necessary to review and complete details for these other conditions.
The condition therefore can impact the cost and availability of Life Insurance. Life Insurance premiums are likely to be higher in such cases. But, each person’s case is different and needs due consideration by a life underwriter.
If you have not already been declined for life cover, you could consider approaching mainstream insurers first.
Pulse Insurance specialise and may well be able to find cover for those with Myositis and other conditions, when other insurers decline.
The following guidance is aimed at those who have been diagnosed with Myositis.
Key Issues for Myositis
The main aspects affecting the availability and cost of Life Insurance for those with Arthritis are: -
- Type of Myositis
- Age when diagnosed
- Severity of symptoms
- Medication taken for Myositis
- Use of mobility aids
- Any other complications or other conditions
It is quite 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 Myositis 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.
Conditions which may jointly occur with Myositis
There are some conditions where it is more common to also suffer other conditions at the same time than not. Equally, it is not always the case that these multiple conditions go hand in hand.
Some of the conditions that present along with Myositis may present little or not additional risk. In all cases, you have multiple conditions whether directly related or caused by your other condition, please ensure you tell us about all of them.
To complete multiple conditions, select your first condition and when that is complete, you will have the option to add more one at a time till you are ready.
Other Medical Conditions with Myositis
The following conditions are known to present alongside Myositis and we recommend you complete our specific questions for these, if you enquire:-
If you have any other health issues or conditions where we do not have specific question, please use the general question “have you any other health Issues?” at the end to provide details.
We specifically address mental health issues in the next section.
Your application with Pulse Insurance will always be individually considered by our human underwriters based on the specifics of the details you provide; you will not be subject to some glib computer system assumption extracted from a condition name or worse.
If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 841430.
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 almost all Myositis cases we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.
It is always important to declare your Myositis and any other medical conditions completely.
Your Personal & Medical Details
Everything you disclose about your Myositis to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Every person with more severe Myositis 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 premium, you would pay.
Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything.
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 Myositis 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.
If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication.
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right cover brings peace of mind for you and your family.