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Type 1 Diabetes
Life Insurance with type 1 diabetes
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<blockquote data-quote="darrenh04" data-source="post: 883576" data-attributes="member: 135141"><p>I have just had to take out some extra cover due to by business. I could get life cover from a few different places which included terminal illness cover. No one would touch critical illness cover though. </p><p></p><p>I spoke to a few brokers and they all said type 1 would result in a 75 - 100% increase in premium. </p><p></p><p>Best I found was for £150k until 65 at just over £30 a month.</p><p></p><p>Luckily I had personal live cover in place long before I was diagnosed on a guaranteed premium so it can't go up.</p><p></p><p>Good luck. I had to get targeted medical reports done by the GP and fill in lots of forms. </p><p></p><p>One tip. Get the policy to pay in to trust. Will avoid IHT and the money will go straight to whoever needs it rather than been tied up for months in probate. Most life insurers just have a form to fill for this.</p></blockquote><p></p>
[QUOTE="darrenh04, post: 883576, member: 135141"] I have just had to take out some extra cover due to by business. I could get life cover from a few different places which included terminal illness cover. No one would touch critical illness cover though. I spoke to a few brokers and they all said type 1 would result in a 75 - 100% increase in premium. Best I found was for £150k until 65 at just over £30 a month. Luckily I had personal live cover in place long before I was diagnosed on a guaranteed premium so it can't go up. Good luck. I had to get targeted medical reports done by the GP and fill in lots of forms. One tip. Get the policy to pay in to trust. Will avoid IHT and the money will go straight to whoever needs it rather than been tied up for months in probate. Most life insurers just have a form to fill for this. [/QUOTE]
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