Bells Palsy Life Insurance
The Insurance Surgery specialises in working with people who have pre-existing medical conditions such as Bell’s Palsy for life insurance, critical illness cover and income protection to help provide cover for them, their family and their homes or businesses. Anyone classed as non-standard for life insurance due to their medical history or other specialist risks should speak to an expert such as our advisers who will help to guide you towards the most suitable insurers for your circumstances to get the right cover at the right price.
How Bell’s Palsy life insurance works:
Anyone who has a medical history of Bell’s Palsy will be required to provide certain information about their condition and other material medical facts that could impace their application, such as:
- Age condition was diagnosed
- Period since last attack
- Number of attacks in the past 5 years / ever (depending on insurer)
- Any impact on daily living
- Other medical conditions
Our expert advisers have been helping people to protect their family, homes or businesses by providing specialist insurance guidance for non-standard applicants such as for Bell’s Palsy life insurance, critical illness cover and income protection. For anyone who is classed as non-standard by insurers such as people with medical histories, high risk occupations or extreme sports then we are here to help.
Expert Bell’s Palsy Life Insurance Advice
People with a pre-existing medical condition such Bell’s Palsy looking for life insurance should speak to an expert to make sure that they apply to the most competitive insurers for their circumstances. Bell’s Palsy life insurance premiums are often available at the insurers standard rates and especially where the condition is either mild or where there have been no long lasting issues.
Generally, with Bell’s Palsy life insurance applications would require insurance underwriters to view a copy of your medical records. This is purely to make sure that the application is assessed properly to provide an accurate decision at the end of the process.
If you have applied for Bell’s Palsy life insurance previously and your application was either accepted with non-standard terms or you have been declined then you should benefit from speaking to one of our experts. A specialist such as The Insurance Surgery will know which insurance providers have the best underwriting criteria based on your particular medical history and individual circumstances.
Bell’s Palsy & Critical Illness Cover
There are insurance providers who are better than others when considering applications for Bell’s Palsy critical illness cover simply because they have a better claims experience with Bell’s Palsy or they may have a more lenient approach to the condition. In general it is possible to get critical illness cover for Bell’s Palsy at standard rates where the condition is mild or there are no major issues.
If you have suffered a number of attacks in recent times and especially if you have other medical disclosures then you will find it more difficult to get Bell’s Palsy critical illness cover simply because of the increased risk factors. Underwriters will want to know a number of key factors to determine the levels of risks involved, such as:
- When you were diagnosed
- How frequent are your symptoms
- What treatment you have taken / are taking
- How severe are your symptoms
- Do you have any other related / non-related medical conditions
Once your application for Bell’s Palsy critical illness cover has been submitted, it is very likely that you will have to provide your medical records as with life insurance. In some cases it may be that a loading is applied to the premium for more severe or recent attacks, there is also a possibility that Bell’s Palsy critical illness cover may be offered with some exclusions.
Bell’s Palsy & Income Protection
As with critical illness cover for Bell’s Palsy, income protection may also be available from insurance standard rates where the condition is mild with no longer lasting complications.
With Bell’s Palsy income protection applications the insurance underwriters will simply want to gather any information relating to any time off work in the past several years because of your condition. If you have had time off work because of your condition then you will need to tell insurers why and how many times / days.
Decisions for Bell’s Palsy income protection can vary from standard rates with no exclusions in mild cases with no major issues up to declined applications where the condition is caused by neurological factors.
If you have applied for Bell’s Palsy income protection previously and your application was accepted at non-standard rates or if you have been declined altogether then you should speak to our team of experts.
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Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
Nicola Storr
Useful Links
If you need help getting insurance cover for with a pre-existing condition such as Bell’s Palsy life insurance, critical illness cover and income protection then you will benefit from speaking to one of our experts. We specialise in helping people with non-standard insurance needs to find the right cover to protect their loved ones and their homes.
Click the links below to find out more: