Can I get Life Insurance with Idiopathic thrombocytopenic purpura (ITP)?

Can I get Life Insurance with Idiopathic thrombocytopenic purpura (ITP)?

What is ITP?

Idiopathic thrombocytopenic purpura (ITP) is a disorder that can lead to easy or excessive bruising and bleeding. The bleeding results from unusually low levels of platelets — the cells that help blood clot.  Our client had a very low platelet count of 22.

Case study

We received an enquiry from a client aged 47 (male) who suffers with ITP and had found our details via a google search.  He informed us that he had a decreasing term life insurance policy with a sum assured of approximately £45,000 over a remaining term of 10 years.

His reason for contacting us was to secure new cover as he had recently moved and had a shortfall in cover.  He required £140,000 of cover over 15 years to match his new mortgage but was concerned that he may struggle to get a new policy due to his medical issues.  From reading our blog he was aware that our expert advisers had experience in helping clients with ITP secure cover.

Our priority in the initial call is to gain a good understanding of our client’s medical history.  The client told us that he had applied to various insurance companies directly but his applications had been declined.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By being upfront and detailed, we are able to obtain the best terms possible for our clients.

The Outcome

Our adviser contacted various Insurance Companies and found one Insurer who was willing to offer indicative terms.  Unsurprisingly the Insurance Company wanted a full GP Report (GPR) to allow them to assess the client’s medical history fully.  Our Administration Team always chase the GPR on behalf of the client and provide updates to the client on a weekly basis.

Our client was extremely pleased to secure the cover he wanted to protect new mortgage at a cost of £84.23 a month.

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.

Next steps

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

Any quote that your adviser provides you with will take into account to your circumstances, 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 other case studies?

• Why should I review my Life Insurance policy?
• What is the difference between Critical Illness and Terminal Illness?
• The Importance of Income Protection

Client testimonials – read more on Reviews.co.uk

“The whole process ran smoothly from start to finish. We would have no hesitation in recommending Future Proof to friends and family needing advice.”

“My adviser was very good at finding the best policy for me and was extremely kind and helpful, nothing was to much trouble.”

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Interesting facts:

• Did you know that 97.2% of all Protection claims were paid in 2015?
• And the average life insurance claim paid was £53,790 in 2015 (published by the ABI – Association of British Insurers)
• Read Jon’s moving story about his cancer diagnosis.
• Read how we helped someone with a family history of breast cancer arrange critical illness insurance
• The Benefits of an Index-Linked Life Insurance policy

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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