UK Helpline
Monday - Friday     9am - 5pm
A trading style of Platinum Financial Consulting
AUTHORISED & REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
Specialist Life insurance help - Get a Quote & Information
Get help finding life insurance
Specialist life insurance help - Home page pointer
Specialist life insurance help - Home page pointer
Life insurance help Request Quotes pointer
Existing Medical Conditions Specialist life insurance help pointer
Pre-Existing Medical Conditions Specialist life insurance help
High Risk Jobs life insurance help pointer
Previous drug use life insurance help pointer
Dangerous hobbies life insurance help pointer
Perfect Health life insurance help pointer
Specialist life insurance help Frequently Asked Questions
 
Specialist life insurance help
Specialist life insurance help pointer
Specialist critical illness insurance help pointer
Specialist income protection insurance help pointer
Specialist keyman insurance help
Specialist mortgage insurance help
Specialist life insurance help Case Studies & Examples of those we have helped get life insurance
Refused insurance pointer
Impaired Health specialist help
Life insurance help Request Quotes pointer
   
Refused life insurance / Cancelled life insurance / Declined life insurance help banner
Specialist life insurance help Price Guarantee pointer
Refused life insurance / Cancelled life insurance / Declined life insurance - About Us
Specialist life insurance help Testimonials - what our customers think
Life insurance help - Contact Us pointer
Life insurance help Request Quotes pointer
   
Refused life insurance / Cancelled life insurance / Declined life insurance help - IFA Centre
Registered Charities link for Specialist life insurance help pointer
Webmasters link for Specialist life insurance help pointer
   
Refused life insurance / Cancelled life insurance / Declined life insurance help - Useful Links
Specialist life insurance help terms & conditions pointer
Specialist life insurance help Initial Disclosure pointer
Specialist life insurance help Privacy Policy pointer
Specialist life insurance help Customer Promise pointer
FSA Register - Specialist life insurance help pointer
     
Specialist life insurance help
A Trading Style of Platinum Financial Consulting

Authorised and Regulated
By

   
THE FINANCIAL CONDUCT
AUTHORITY
FCA Registration No : 227014  
     
 

Life Insurance with Ulcerative Colitis

By Bob Cook
Below is a real life case study that gives a good example of what people with a pre-existing medical condition face when trying to buy life insurance.

In this particular case, the customer had just bought their first property using a mortgage. Quite naturally they wanted to take out life cover to that in the event of their death, their partner could use the benefit from the policy to pay off the mortgage.

In this particular situation the client was looking to buy life insurance while suffering with Ulcerative Colitis. On applying to several well know insurers they were concerned that their application had been refused.

Besides this being worrying itself, they were also concerned about the number of declines they were receiving as they need to declare these declines when applying to other insurers.

While it is possible to obtain cover for somebody with Ulcerative Colitis, it is important to know which insurer to use. The team at life-insurance-help.co.uk are well placed to help you. Furthermore no application is made until an underwriter has indicated they are likely to accept you.

The reasons insurers treat this condition with caution is that there is no known cure for it. People who suffer with the can suffer very mild symptoms, while extreme cases could result in surgery and the possibility of a stoma. The symptoms can disappear for years and then comeback with a vengeance. Ulcerative colitis is thought to be what is known as an autoimmune condition. This means the immune system – the body’s defence against infection – goes wrong in some way and attacks healthy tissue. For this reason it is not possible to simply go on line to a price comparison website and walk away covered 5 minutes later. In every instance your application will need to be personally assessed by an underwriter and further tests may be required.

The life-insurance-help.co.uk team will work with you and present your case to underwriters who will give us an indication of how they are likely to treat your case.

None of this counts as an application for Life Insurance.

The information our team will require from you is as follows :

The exact diagnosis : Crohn’s disease is very similar to Ulcerative Colitis

When you were diagnosed : We don’t need the exact date but most people can indicate a month and year.

If you have received surgery : If you have we need to know what surgery and when.

What current treatment you are receiving : This will include names and dosages of any medication.

If any other treatment or surgery is planned

If you have ever been admitted to hospital with acute attacks : if so how often and when

If you have regular colonoscopy screening : if so how frequent are these screenings.

How often do you have ‘flare up’s during the year :
The length of the ‘flare up’ is helpful as well as the gaps between. Do you have symptoms between the ‘flare ups’

Have you ever had liver disease : Was it associated to Crohn’s or Colitis

Are you are to work full time and can you lead a ‘normal’ life. If your condition has an impact on either of these, please let us know.

The good news is that we are able to help you and we have been very successful in helping people with Ulcerative Colitis get life cover. Unfortunately Critical Illness cover tends not to be available.

We don’t charge you any additional fees or charges for undertaking these investigations for you. You will only pay the premium requested by the insurer.

If you suffer from Ulcerative Colitis and are looking for life cover complete our on-line form now, or call us on 020 33 55 4831

Published : 21st March 2013
 
 
 
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

AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

Copyright © 2004 & 2018 Platinum Financial Consulting

FCA Registration Number : 227014

 
Life Insurance Help - Good Old Fashioned Personal Service via the Internet
Life insurance help - how we can help if you are having difficulty getting life insurance
  Angina | Anxiety | Arrhythmia | Atrial Fibrillation | Blood Pressure | Bowel Disease | Cancer | Cholesterol | Crohn's Disease | Colitis | Colostomy | Coronary Disease | Coronary Thrombosis | Depression | Diabetes | Diabetic | Digestive Problems | Drug Use | Epilepsy | Epileptic | Familial Hypercholesterol | Familial Hypercholesterolaemia | Heart Attack | Heart Disease | High Body Mass Index | High BMI | High Cholesterol | Hypertension | IBS | Ileostomy | Indigestion | Irritable Bowel Syndrome | Life Insurance for Overweight | Myocardial Infarction | Obese | Obesity | Ostomy | Overweight | Palpitations | Panic Attacks | Seizures | Stress | Stroke | Suicidal Thoughts | Suicide Attempt | Ulcerative Colitis | Home Insurance Help | Criminal Conviction Insurance | Impaired Pension Annuity | Pension Lump Sum | Enhanced Annuity  
Refused life insurance / Cancelled life insurance / Declined life insurance help banner