December 11, 2017

blood cells

Arranging critical illness insurance if you have ITP (Idiopathic Thrombocytopenic Purpura)?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Case study

Mr A, a 37 year old non – smoker, contacted us as he required Life and Critical Illness insurance to protect his mortgage and family. He wanted to make sure that in the event of either he or his 37 year old wife passing away, that their mortgage would be paid off fully. They also required critical illness cover to provide financial security should either they or their children suffer a critical illness.

One of the most cost effective way of covering this is with a joint Decreasing Term Assurance plan (mortgage protection) and separate Level term life and Critical illness policy each (personal and family protection).

Health issue

Unfortunately, Mr A has experienced problems in arranging Critical Illness cover because he suffers from Idiopathic Thrombocytopenic Purpura (ITP).

Immune Thrombocytopenia (formerly known as Idiopathic Thrombocytopenic Purpura) is a medical term for an autoimmune disorder causing a shortage of platelets (Thrombocytopenia) and bruising (purpura). This resulted in a significant price increase to his Critical illness cover.

Finding the best solution

Each Insurance Provider has their own underwriting guide and we contacted them all to find the best solution. Many of the providers would double the cost of the premium (this is called a loading), but we found one company who were willing to offer Life and Critical Illness insurance on standard rates.

Mr A was understandably very pleased and we were able to arrange the following policies:

  • A joint decreasing term life or earlier terminal illness policy with an initial sum assured of £265,000 over a term of 27 years.
  • A level term life or earlier critical illness policy with a sum assured of £50,000 each over terms running until their respective 68th birthdays.
  • The total monthly cost is £71.15.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

How to contact us:

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Your adviser will take into account your medical history. Any quote which they provide to you will take into account to your situation, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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Interested in related articles?

Further information can be found by clicking on the link below:

The ITP Support Association

If you are interested in arranging life insurance, income protection insurance or critical illness insurance it really can pay to take Independent advice.

Call our award-winning team on: 0800 644 4468.

Do you suffer with a medical condition and are concerned you can’t secure Life or Critical Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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