Life insurance issues

[aburt449]

Morning all

Hope we all ok

Does anyone have a problem to get a life insurance due to Ataxia? I always had one but last year the company I’m with decided to do 5 years review and stopped insuring me. Since then everywhere where I apply for life insurance I’ve been declined due to my EA 🤦🏻‍♀️🤦🏻‍♀️🤦🏻‍♀️. I’m in a desperate need to have one for my boys.

[Arlo20]

I've had life insurance for many years never asked for any medical checks .

[wobblybee]

🙂 I have insurance but we pay a bit more than usual because I’ve had cancer as well as having ataxia.

You’ll get good advice by ringing AtaxiaUK.

The office number is 0207 582 1444, open from 9am-5pm, Monday to Friday.

If you require an urgent response, please email [e-mail] and we will get back to you as quick as possible.'

[aburt449 in reply to wobblybee]

Thank U I will give them a call.

[violasrbest]

Years ago I had a 400% loading on life assurance because of my Ataxia. I could now get over 50's cover without a medical.

[aburt449 in reply to violasrbest]

I’m not 50 yet so have to wait ... I’m glad u found one without a medical. 😊

[klazien]

I was told they did not know what Ataxia was but it sounded like M.S. which was not insured.

‘No medical’ is not actually true. You have to fill in a questionnaire and if you don’t answer that truthfully (it might have a question about any disability), you are not insured. Also by having the name of your GP/surgery they can know what you have.

[aburt449 in reply to klazien]

This is ridiculous... I’m sure ppl with disability must have some kind of life insurance 😕

[Arlo20 in reply to klazien]

I have life insurance and didn't fill in any forms its with LV

[aburt449 in reply to Arlo20]

Thank u will try it

[EireAtaxic]

I applied for life insurance 3 times and refused each time. I have a benign brain tumour that is stable for past 12 years. Last mri indicated it may be shrinking.

[aburt449]

So I guess that a good news? 😊But when comes to life insurance I have tried today with no medicals- it’s no true they DO ASK MEDICAL QUESTIONS 😕another refusal 😡

[Arlo20 in reply to aburt449]

It must be your age being under 50.

[aburt449 in reply to Arlo20]

I’m 37 so probably that’s the problem 🤦🏻‍♀️

[Arlo20 in reply to aburt449]

Your just a puppy ,I'm 70 this year

[aburt449 in reply to Arlo20]

That’s a great age 😀

[Arlo20 in reply to aburt449]

It felt a great age till 3 years ago when this illness started

[EireAtaxic in reply to aburt449]

Have you tried using a broker? Let them do the work. When I was applying the broker told me as a last resort there was a company in the uk that will insure ANYONE at a heavily weighted premium. They refused me. This was as a result of the tumour though even with positive consultants letters and being inactive for 12 years.

[aburt449]

I tried he said he will get back to me in 2 weeks time and never heard from him since ( it was 6 months ago)

[Driven1]

Do not do a DNA test to confirm Ataxia. Up to this point you may have one of a 1000 diseases affecting balance. If confirmed then you need to advise a pre existing condition. If you do not reveal you forfeit all payments and claim is cancelled. read the fine print

[Veteran250]

Hi

I don’t have insurance either, my funeral plan is paid for….. and I opened a savings account and have money transfered into it each month, so my children have money available for any extras, and share the rest!

I’m 78 in a couple of weeks, and living life as best I can.