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A Trading Style of Platinum Financial Consulting

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THE FINANCIAL CONDUCT
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FCA Registration No : 227014  
     
 

Colostomy Life Insurance

 

We specialise in helping people who have had a colostomy find life insurance, income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your colostomy, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you life insurance, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are specialists in finding life insurance for those with a colostomy, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients:

“From first point of contact with Life Insurance Help, I was reassured and felt I was in good hands. They kept me up to date on the progress of my application at very stage, and were exceptionally prompt in replying to any query I had. Due to my circumstances it was a long process, but thanks to them, my cover is in place and my mind at rest. Thank you so much.”

“We had difficulty securing adequate life insurance. By contacting Life Insurance Help we have now both got life cover that gives us the peace of mind we were looking for. The people at Life Insurance Help worked so hard to meet our needs, were great to communicate with, and we are both 100% happy with the service we received.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.


 

Colostomy Support

Besides helping you obtain Life Insurance if you have a colostomy, we also want to provide our customers with as much help as possible in dealing with their pre-existing condition.

The two sections below, Useful Links and About the Condition, aim to do just this.

We hope you find the information on this page useful, if you have any other information that you feel would be of benefit to other sufferers, please let us know.

Colostomy : Useful links

Support groups and useful information for people who have had an ileostomy.
 
Colostomy Association
National Association for Colitis and Crohn's Disease
The Ileostomy Support Group
Urostomy Association
Salts Healthcare
 
 
 
 

Colostomy : About the Condition

The main function of the colon is to conserve water within the body by extracting it from the bowel contents.

A colostomy is a surgical procedure in which your colon (which connects the small intestine to the rectum) is cut and brought to the outside through the abdominal wall to create an artificial opening or "stoma".

In most cases, a colostomy is a temporary measure, however sometimes it can be permanent because joining up the cut ends of the bowel is impracticable.

A colostomy may be needed due to disease of the bowel, such as:

  • Crohn's disease - an inflammatory bowel disease which causes pain and diarrhoea
  • Colon cancer / Colorectal cancer
  • Familial adenomatous polyposis (FAP) - an inherited condition which affects the colon and rectum, and where polyps (adenomas) develop inside the large bowel

A colostomy may also be needed if the muscles that control your bowel movements are removed during surgery, as you will be unable to control your bowels. You will therefore need to have a colostomy so that your bowel contents can pass into a colostomy bag.

If you have colon cancer, it may be necessary to remove a length of your bowel containing the tumour. If you have a tumour in the lower part of your rectum, you will need to have the whole of your rectum and anus removed. In this instance, you will need a permanent colostomy.

Sometimes, a colostomy may be necessary to relieve a bowel obstruction, or there may be inherited bowel problems, such as a bowel defect that is present at birth. Colostomies may also be performed following an injury to the abdomen.

A colostomy is performed by making a small cut through the wall of the abdomen to one side of the main incision (from where the section of bowel has been removed).The upper cut end of the bowel is brought out through this opening, known as a stoma, and the edges are stitched to the margins of the opening. The lower cut end may be closed internally or may also be brought out.

The bowel contents pass out through the colostomy and are collected in a waterproof bag, which is worn over the stoma. The bag is made of a special waterproof material, known as hydrocolloid, which is adhesive and sticks to the area without the need for adhesive tape.

Recent advances in surgical instrumentation have made a colostomy easier to re-join in places that are difficult to reach. Until recently, it was technically impossible to rejoin the bowel if a length had been removed that involved the upper rectum.


 

About Life Insurance

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.

 

 
     
Life Insurance Help Contact Details
 
Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY


Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email : help@platinumifa.co.uk

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FCA Registration Number : 227014

 
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