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Mortgage protection insurance with Endometriosis ?

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  • 14-05-2019 11:30pm
    #1
    Bigmac1euro
    Registered Users Posts: 1,457 ✭✭✭


    So just found out recently that my OH may have Endometriosis, actually were pretty certain and she has a scheduled date to have surgery in August. We’ve been through hell and back with this problem the last while and it’s really been a tough year particularly for her.

    On top of this we’re saving for a mortgage but now I’m worried that if she gets diagnosed with Endo, will we have a problem getting mortgage protection ?
    I’m healthy and she is otherwise it’s just this poxy endometriosis. Really at my wits end right now saving like mad to be possibly disappointed now. Please help!
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    #2
    cannotlogin
    Closed Accounts Posts: 1,172 ✭✭✭cannotlogin


    As Endo isn't life threatening, your partner should be able to get mortgage protection in the event of death but is likely to have exclusions for critical illness or income protection as give the illness, she is more likely than the average person to need to take time off work as a result.

    The insurance company may also add a loading to the premium as a result too.

    Given she hasn't been diagnosed yet, they may chose to defer the decision to cover her. It will depend on doctor's report.

    If you have 2 declines or deferrals, the bank usually have to offer to waive the requirement and you both will have to sign disclaimers but will still get your mortgage so try not to worry.

    PS - I have endo too so full sympathies to you both on that, it's horrible in terms of pain etc but I am so much better since getting treatment so hopefully your partner will have ssme experience.


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    #3
    Bigmac1euro
    Registered Users Posts: 1,457 ✭✭✭Bigmac1euro


    cannotlogin wrote: »
    As Endo isn't life threatening, your partner should be able to get mortgage protection in the event of death but is likely to have exclusions for critical illness or income protection as give the illness, she is more likely than the average person to need to take time off work as a result.

    The insurance company may also add a loading to the premium as a result too.

    Given she hasn't been diagnosed yet, they may chose to defer the decision to cover her. It will depend on doctor's report.

    If you have 2 declines or deferrals, the bank usually have to offer to waive the requirement and you both will have to sign disclaimers but will still get your mortgage so try not to worry.

    PS - I have endo too so full sympathies to you both on that, it's horrible in terms of pain etc but I am so much better since getting treatment so hopefully your partner will have ssme experience.

    Really helpful advice thanks so much! The things that fly through your head at night when you know your alarm goes off in 6 hours.


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    #4
    katie275
    Registered Users Posts: 148 ✭✭katie275


    Are you getting MP through your bank? I had a similar problem getting covered due to a previous abnormal smear. It might be worth contacting a broker who specialises in MP for people with less straightforward medical histories, I can PM you one I dealt with. We went with Laya in the end, Irish life were very strict


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    #5
    Bigmac1euro
    Registered Users Posts: 1,457 ✭✭✭Bigmac1euro


    katie275 wrote: »
    Are you getting MP through your bank? I had a similar problem getting covered due to a previous abnormal smear. It might be worth contacting a broker who specialises in MP for people with less straightforward medical histories, I can PM you one I dealt with. We went with Laya in the end, Irish life were very strict

    Not getting a mortgage until next year.
    As she’s currently not in any pain for the last few weeks as she’s on a pill (which were not happy about as it masks the issue) we’re considering putting off the surgery as it will guarantee a diagnosis of Endo.
    If we put the surgery off she’s still not technically diagnosed (I could be wrong here) and she could just do the surgery next year after we get our house. But I will definitely take that broker information from you if you wouldn’t mind messaging me.


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    #6
    rainyrun
    Registered Users Posts: 179 ✭✭rainyrun


    Bigmac1euro wrote: »
    Not getting a mortgage until next year.
    As she’s currently not in any pain for the last few weeks as she’s on a pill (which were not happy about as it masks the issue) we’re considering putting off the surgery as it will guarantee a diagnosis of Endo.
    If we put the surgery off she’s still not technically diagnosed (I could be wrong here) and she could just do the surgery next year after we get our house. But I will definitely take that broker information from you if you wouldn’t mind messaging me.

    I recently purchased a house and have endo, (3 surgeries as a result) high blood pressure and over 50 and managed to get life insurance for a new mortgage earlier this year. I did go via a broker and I am paying a little extra. I can pm you the insurance company.

    Btw the pill actually stops endo activating as opposed to masking symptoms, so this will definitely decrease symptoms for your partner. However taking the pill has other side effects so can understand reluctance to take them.

    DO NOT DELAY treatment. I can understand why you would be worried about potential impact on life insurance and your thoughts around timings.
    Endometrios is a horrendous "unseen" condition and can cause serious internal life changing damage to a woman esp around having childern....but it is not a life threatening condition. Please continue to pursue timely treatment.
    If her record shows she is having appropiate treatment you should be fine with your application.
    Any stumbling blocks I had with my life insurance application was around my diagnosis of high blood pressure.
    Best of luck!


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    #7
    Bigmac1euro
    Registered Users Posts: 1,457 ✭✭✭Bigmac1euro


    rainyrun wrote: »
    I recently purchased a house and have endo, (3 surgeries as a result) high blood pressure and over 50 and managed to get life insurance for a new mortgage earlier this year. I did go via a broker and I am paying a little extra. I can pm you the insurance company.

    Btw the pill actually stops endo activating as opposed to masking symptoms, so this will definitely decrease symptoms for your partner. However taking the pill has other side effects so can understand reluctance to take them.

    DO NOT DELAY treatment. I can understand why you would be worried about potential impact on life insurance and your thoughts around timings.
    Endometrios is a horrendous "unseen" condition and can cause serious internal life changing damage to a woman esp around having childern....but it is not a life threatening condition. Please continue to pursue timely treatment.
    If her record shows she is having appropiate treatment you should be fine with your application.
    Any stumbling blocks I had with my life insurance application was around my diagnosis of high blood pressure.
    Best of luck!

    Can you pm me the insurance company you used or broker, I would be very grateful.

    Appreciate all the assistance guys/gals. Really this is a big help. My heart goes out to women with Endo.

    We are going to proceed with the surgery and take the broker route if needs be. Health is the main thing at the end of the day. We’ll get the house. Hopefully this thread will help someone else in the future. Seems to be a common enough problem.


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    #8
    jlm29
    Registered Users Posts: 3,818 ✭✭✭jlm29


    You’ll probably be asked if you have been investigated for any conditions, not simply if you have them. And they’ll send a letter or a form or something to your gp for information, so it might not be any advantage to delay surgery


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    #9
    jlm29
    Registered Users Posts: 3,818 ✭✭✭jlm29


    Sorry, I just read your last post, somehow I didn’t notice it before my last post! Oops!


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    #10
    thepropertyguy
    Closed Accounts Posts: 12 ✭thepropertyguy


    Bigmac1euro wrote: »
    Can you pm me the insurance company you used or broker, I would be very grateful.

    Appreciate all the assistance guys/gals. Really this is a big help. My heart goes out to women with Endo.

    We are going to proceed with the surgery and take the broker route if needs be. Health is the main thing at the end of the day. We’ll get the house. Hopefully this thread will help someone else in the future. Seems to be a common enough problem.

    I think this has been answered well above, but medical conditions do not usually bar you entirely from mortgage protection and in turn a mortgage. Your particular circumstances are a little unusual but they will not stop you if you shop around. I can recommend someone for you if you need it. I have seen many work arounds for various conditions so keep the faith.


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