What Conditions Do We Cover?

This is intended to help your clients at the pre-application stage. It provides you with details regarding the conditions we are able to consider and also outlines the information we will need to produce an illustration.

The list below is not exhaustive but represents some of the conditions we are asked about. If you require assistance on any conditions not mentioned, please contact us on 0333 043 7040*. 

Conditions we cover

Condition Information Required**
Alcohol Abuse/Dependency
  • Is it ongoing?
  • Current liver function test results?
  • Is client working full-time?
  • Any complications or co-existing conditions (e.g. heart/mental health problems)?
Atrial Fibrillation/Arrhythmias
  • Any symptoms currently?
  • Treatment past and present?
  • Any underlying problems?
  • Any complications (e.g. blood clots in the lungs, strokes)?
Cancer (including Hodgkin’s Disease, Non-Hodgkin’s lymphoma and the leukaemias)
  • What type?
  • Staging/grading?
  • Treatment and the date it was completed?
  • Any spread from the original site?
  • What type (e.g. dilated or congestive, restrictive, hypertrophic)?
  • Any symptoms currently?
  • Treatment past and present?
  • Any complications (e.g. heart failure)?
Cystic Fibrosis
  • Any severe complications (e.g. respiratory problems, heart enlargement, diabetes)?
  • Is client working full-time?

    NB: Maximum policy term available – to age 40.
  • Date of diagnosis?
  • Most recent HbA1c? Type 1 or type 2?
  • Any diabetic complications (e.g. diabetic coma, retinopathy, kidney problems, neuropathy i.e. loss of sensation in feet etc.)?
  • Any other medical conditions? 
Heart Attack
  • Date(s)?
  • Any ongoing symptoms (e.g. angina)?
  • Treatment (including stenting, coronary artery bypass grafting)?

    NB: It is unlikely that we will be able to consider if the heart attack/surgery occurred within 6 months of the enquiry.
HIV Positive
  • Date found to be positive?
  • Current CD4 count?
  • Current viral load?
  • Treatment (e.g. HAART)?
  • Details of any infections including dates

    NB: Maximum policy term available is usually 10 years. 
Kidney/Liver Transplant
  • Date(s)?
  • Any rejection episodes? If so, when?
  • Current renal function, if known?

    NB: For kidney transplants we will not be able to consider within 2 years if the transplanted organ comes from a living donor or 3 years if it comes from a cadaver. For liver transplants we can consider after 1 year. The maximum policy term available is usually 20 years post-surgery but for a liver transplant the policy must expire before age 60 if this is sooner. Terms may be possible for second kidney transplants where kidney function 2 years post-operatively is good and there are no complications.
Kidney Failure (Chronic)/Dialysis
  • Current renal function, if known? In particular, if the client knows their GFR (glomerular filtration rate) and/or cretanine readings, it would be helpful to us.

    NB: Renal function needs to be stable and better than 20-25%. There must be no other co-existing health issues. If on dialysis, it needs to have commenced 2 years prior to enquiry. The maximum term available is 20 years and the policy must expire at age 55 if this is sooner.
Mental Illness
  • What type (e.g. anxiety, depression, bipolar disorder)?
  • Treatment past and present (including in-patient treatment)?
  • How many suicide attempts, if any, and dates?

    NB: There needs to have been no suicide attempts within the last year and no multiple suicide attempts within the last 5 years. For recurrent bipolar disorder and schizophrenia, there should have been no episodes within the last 2 years and the client should be working full-time.
Multiple Sclerosis
  • What type (e.g. relapsing remitting, secondary progressive, primary progressive, progressive relapsing)?
  • Date of diagnosis?
  • Date of last relapse?
  • How many relapses per year?
  • Current symptoms, if any? Severity of symptoms (e.g. are any mobility aids required for walking)?
  • Any complications (e.g. bowel/bladder problems, depression)?
  • Current height and weight?
  • Any co-existing health issues?

    NB: It is unlikely that we will be able to provide an illustration for clients whose BMI is in excess of 55 where there are other co-existing conditions.
Primary Sclerosing Cholangitis (PSC)
  • Any symptoms currently?
  • Current liver function, if known?
  • Any complications (e.g. bile duct obstruction, liver failure, increased blood pressure in the portal vein leading from the intestines to the liver)?

    NB: Maximum policy term available – 10 to 15 years.
  • Date(s)?
  • Treatment past and present?
  • Severity of any residual physical/mental problems?

We will not be able to consider the following:

  • Conditions where no diagnosis has been made or where further investigations are planned/ongoing
  • Obesity where the body mass index (BMI) is in excess of 60
  • Heart and lung transplant
  • Dementia
  • AIDS (although we may be able to offer terms for some clients who are HIV+)
  • Cases that have been postponed/deferred by other providers e.g. cancer cases where treatment has only recently been completed.

*Telephone calls may be recorded for training and monitoring purposes. Local call rates apply.

**These are pointers as to the types of questions we are asked. The more information you are able to obtain, the more accurate our illustration will be.