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

Ataxia UK

4,082 members4,657 posts

Life insurance issues

aburt449 profile image
20 Replies

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.

Written by
aburt449 profile image
aburt449
To view profiles and participate in discussions please or .
20 Replies
Arlo20 profile image
Arlo20

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

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

aburt449 profile image
aburt449 in reply towobblybee

Thank U I will give them a call.

violasrbest profile image
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 profile image
aburt449 in reply toviolasrbest

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

klazien profile image
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 profile image
aburt449 in reply toklazien

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

Arlo20 profile image
Arlo20 in reply toklazien

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

aburt449 profile image
aburt449 in reply toArlo20

Thank u will try it

EireAtaxic profile image
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 profile image
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 profile image
Arlo20 in reply toaburt449

It must be your age being under 50.

aburt449 profile image
aburt449 in reply toArlo20

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

Arlo20 profile image
Arlo20 in reply toaburt449

Your just a puppy ,I'm 70 this year

aburt449 profile image
aburt449 in reply toArlo20

That’s a great age 😀

Arlo20 profile image
Arlo20 in reply toaburt449

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

EireAtaxic profile image
EireAtaxic in reply toaburt449

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 profile image
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 profile image
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 profile image
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.

Not what you're looking for?

You may also like...

Need Advice on Travel Insurance

One of my Pension Policies is due to pay out soon and I am planning to visit my elderly parents in...
Wyndham profile image

Travel Insurance

I had an mri in January which identified significant cerebellum atrophy and diagnosed with...
Sea_ profile image

Mobility Insurance

For two years i have been with Fish Insurance and this time i have decided a change This is why...
Beachball profile image

Travel Insurance nightmare

Trying to do the right thing, I telephoned Lloyds TSB today to notify the Travel Insurance section...
Wyndham profile image

Car insurance and antaxia

Hi everone can you eventualy have problems for car insurance with antaxia ? I have à handicap...
7151 profile image

Moderation team

See all
HarryB profile image
HarryBAdministrator
VE93 profile image
VE93Administrator
WendyBom profile image
WendyBomModerator

Content on HealthUnlocked does not replace the relationship between you and doctors or other healthcare professionals nor the advice you receive from them.

Never delay seeking advice or dialling emergency services because of something that you have read on HealthUnlocked.