Life insurance issues : Morning all Hope we all... - Ataxia UK

Ataxia UK

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Life insurance issues

aburt449 profile image

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.

19 Replies

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

🙂 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 office@ataxia.org.uk and we will get back to you as quick as possible.'

aburt449 profile image
aburt449 in reply to wobblybee

Thank U I will give them a call.

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 profile image
aburt449 in reply to violasrbest

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

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 profile image
aburt449 in reply to klazien

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

Arlo20 profile image
Arlo20 in reply to klazien

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

aburt449 profile image
aburt449 in reply to Arlo20

Thank u will try it

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.

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 profile image
Arlo20 in reply to aburt449

It must be your age being under 50.

aburt449 profile image
aburt449 in reply to Arlo20

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

Arlo20 profile image
Arlo20 in reply to aburt449

Your just a puppy ,I'm 70 this year

aburt449 profile image
aburt449 in reply to Arlo20

That’s a great age 😀

Arlo20 profile image
Arlo20 in reply to aburt449

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

EireAtaxic profile image
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.

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)

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

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