Life Insurance

[Anna1708]

Ive just agreed to life insurance with serious illness cover with Scottish Widows. Woo! Super easy and fuss free and no need for a GP report 😎

[Lolabridge]

That's good news! And I'm sure others will be interested to know it's possible for RA sufferers so thank you for posting.

[Sheila_G]

Excellent.

[Greencat96]

Indeed thank you for posting. I had no idea it was possible

[emmajj1971]

I took life cover with Scottish widows a few months ago, I had a medical and bloods taken at home. The process was fast and the payments are not excessive x

[Anna1708 in reply to emmajj1971]

Yes!! I expected to be paying a high monthly cost, but it was only £23. I thought that was really reasonable.

[emmajj1971 in reply to Anna1708]

I'm paying 30 and I expected more I'm a but over weight and 50 years old so it's all taken into consideration x

[Angjoplin]

Thanks for that. I'll give it a try. Got turned down by a couple and gave up recently.

[Mmrr]

Thankyou for this

[Leics]

Oh that’s very interesting I was refused earlier this year when we moved as GP report was done for Legal and General. My husband who is a year older than me but doesn’t have RA or a severely compromised immune system had no problems at all. But me sadly computer said no. Might look into Scottish Widows thanks for the tip.

[Anna1708 in reply to Leics]

I went through a broker called ‘the insurance surgery’ and it was really quick and easy. I was surprised I didn’t need a report from the GP as vitality had asked for one. The report from my GP was, I thought, quite positive too, so really confused as to why I was refused serious illness cover. It didn’t really say anything. Good luck!

[Leics in reply to Anna1708]

Yeah I found the GP report was fair and didn’t say anything too major or so I thought. It did mention the cancer I had 21 years ago but that’s never been an issue and hasn’t recurred so perhaps it was that ? 9/10 I think the staff that see these reports aren’t medically trained so have no idea what they’re looking at. My hubby had cancer 5 years ago though and they said yea to him ? I dunno ‘lottery’ ?? We went through a broker too so can’t understand it. I did expect to perhaps pay more than my husband but I’m retired and he’s still working so don’t know if it’s that ? Anyway passed worrying about it but will definitely look into Scottish widows.

[AgedCrone in reply to Leics]

If you are not 100% certain what you need from life insurance do use a specialist broker.Sadly there are many people who pay premiums for years….& then when they expect it to pay out….they find out their policy was not what they needed.

It really is a policy to take great care with.

[Leics in reply to AgedCrone]

Definitely wouldn’t rush into anything I wasn’t 100% certain of. It was only to cover the mortgage should I pop my cloggs but to be honest it’s only a small amount in the grand scheme of things and my hubby would be able to cover it himself if the worst should happen. More important to have him covered than me anyway. But I would definitely do my homework. Thanks for the warning though.

[oldtimer]

Please look at the small print on any of these policies. Make sure that it doesn't exclude pre-existing conditions. There have been so many reports of people thinking that they are covered only to find when they claim that something was recorded in their GP records that made it possible for the company to reject the claim.

[Anna1708 in reply to oldtimer]

Yes, definitely. I’m lucky - Mine does include pre-existing conditions. I was asked lots of questions by the broker - so it was quite thorough. Hopefully I won’t had a need to claim 🤞🏻

[Anna1708]

Good lucky everyone! Xx