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Refused insurances :(

AnnaGAll said:
Hi I just got cover with Aviva - through the insurance surgery (www.theinsurancesurgery.co.uk) they were recommended on which and they specialise in cover for people like us!

Good luck
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Excellent.

What sort of cover did you get Anna, and are you T1 or T2? Was the premium increased? And how long is the cover you got for?

Just interested.
 
Wow, as a former financial adviser, I took out income protection and critical illness well before diagnosis. I'm glad I did now.

They don't have to be declared now right?

*sits silent in hope*
 
*.... And back in the room, Adamski*

Well done Adamski. As you would expect it needs to be fully declared or there is the potential for premiums thrown away on an invalid contract, or crushing disappointment at the point of claim.

I still have a shed load of CI, but no.longer have income protection. That was a conscious decision, taken before diagnosis, but,at my age, on balance, I'm fine with it.

Keep paying those premiums!!
 
Adamski said:
Wow, as a former financial adviser, I took out income protection and critical illness well before diagnosis. I'm glad I did now.

They don't have to be declared now right?

*sits silent in hope*
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You have to declare it, or you will invalidate your cover, but as far as I know they can't increase your premium loading for those preexisting conditions now. Still, probably best to check the fine print.

Sent from the Diabetes Forum App
 
@Spiker - you are correct. It is rare that contracts can be altered for changes to medical circumstances, but Income Protection is a fickle class of cover, and I would suggest @Adamski ensures his provider knows about his occupational change, as that can impact on the cover available, irrespective of health. But, as a former advisor, he,probably knows that.

Some of these contracts are exceptionally flexible, others less so.
 
Adamski said:
Ok cheers guys, will make a few calls next week
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It's on likely if you have moved to a "riskier" occupation, like something manual, or semi-manual.

Many insurers have started using "Own Occupation" classifications of,disability, for all policyholders these days, due to Ombudsman decisions, so take time to think if they want to reduce your (I'm assuming)' "Own" to "Any Suitable" or, I shudder, "Any Occupation".

If that happens, it's worth an appeal, but hopefully it won't happen.
 
Occupation isn't an issue, I'm still office based. Just hope they don't mess with the premium etc due to my diabetes
 
Adamski said:
Occupation isn't an issue, I'm still office based. Just hope they don't mess with the premium etc due to my diabetes
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They shouldn't. That is only justifiable if you want to change contract terms.
 
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