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Life Insurance with medical history

  • 06-01-2023 7:10pm
    #1
    daisydotty
    Registered Users, Registered Users 2 Posts: 50 ✭✭


    Hi my husband and I went about getting life insurance and were refused. I had a clot in my lung in pregnancy last year and he had a small mole which was a basal cell carcinoma removed last summer. Was refused based on this. Surely a good proportion of the country has medical conditions and get life insurance. Would anyone know of a company who would quote us? I have tried 2 large insurers. Obviously have no problem paying a higher premium or even having an exclusion criteria for the pre-existing conditions. We are hoping to apply for a mortgage soon so will probably have a similar problem getting mortgage protection.

    Post edited by daisydotty on


Comments

  • #2
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,856 Mod ✭✭✭✭Henry Ford III


    Being declined life assurance isn't nice.

    There is a register available to all insurers where rated and declined proposers details are stored.

    Unfortunately what you and I might see as minor medical issues look different to life assurance underwriters whose decision today might commit cover for a very long term with inherent risks.

    Mortgage wise you might be able to get a waiver.



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