September 10, 2018

genetic family tree

Familial Hypercholesterolaemia and Critical Illness

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.

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 completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

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Our Client

Our client is a 41 year old lady, who was looking for life insurance and critical illness cover to provide financial protection for her mortgage in the event of her death.

She was diagnosed with familial hypercholesterolemia when she was 33 years old.

Familial hypercholesterolaemia

Familial hypercholesterolaemia is the medical term for high cholesterol that runs in families. It’s caused by a gene alteration inherited from a parent, rather than an unhealthy lifestyle.

People with familial hypercholesterolaemia have high cholesterol from birth, which can lead to the early development of heart problems.

In the UK, familial hypercholesterolaemia is thought to affect about 1 in 500 people, which means approximately 120,000 people are thought to be affected.

There’s a 1 in 2 (50%) chance that a child or brother or sister of someone with familial hypercholesterolaemia will also have the condition.

Our client’s cholesterol reading, whilst previously uncontrolled is now 4.6 due to the medication she takes and she has yearly reviews with her GP to monitor this.

The Outcome

Most insurers would be able to offer life insurance, but would decline offering critical illness cover. However, as our client’s readings are well controlled and were diagnosed after the age of 30, we were able to arrange cover on standard rates. ie the premium was not raised to take into consideration any increased risk to the insurer.

The client was pleased to have been offered decreasing term insurance with a sum insured £280,000 over a term of 26 years for the monthly cost of £17.57. And, Critical Illness cover of £20,000 over a term of 26 years for a monthly premium of £14.66.

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.

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Next steps

Whilst you are welcome to get a quote on-line 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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Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life 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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For more information:

Heart UK

NHS Choices

Client ID: 132555511