April 11, 2016

Brain (image)

Obtaining life insurance after suffering a haematoma to the brain.

What is a subdural haematoma?

A subdural haematoma is a serious condition where blood collects between the skull and the surface of the brain. It’s usually caused by a head injury. Symptoms of a subdural haematoma can include:

  • a headache that keeps getting worse
  • feeling and being sick
  • confusion
  • personality changes, such as being unusually aggressive or having rapid mood swings
  • feeling drowsy
  • loss of consciousness
  • The symptoms can develop soon after a severe head injury (acute subdural haematoma), or very occasionally a few days or weeks after a more minor head injury (subacute or chronic subdural haematoma)

Our experience

We are increasingly being approached by people who are asking us about whether they will be able to arrange life insurance if they have suffered from a haematoma of the brain. Many of them are saying they have already made an application themselves, but they were either declined or the premiums they were offered were unaffordable.

Our client

We were recently approached by Mrs H, a 70-year-old, non-smoker, who required a life insurance policy to cover future funeral expenses.

She had previously encountered problems obtaining life insurance due to her medical history. In 2011, she was taken to the hospital after suffering a haematoma to the brain.

The Consultant explained that it was likely that she was born with a blemish on her brain which had burst. The condition was treated with surgery and she has made a complete recovery. Her Consultant has told her that it is extremely unlikely that there will be a re-occurrence.

Even so, Mrs H struggled to arrange a life insurance policy once she disclosed her medical history and had resigned herself to a Sunlife Over 50’s plan. These plans do not require any medical details and guarantee to offer insurance, although a claim will not be paid in the first two years of the term. Furthermore in most cases Over 50’s plans tend to be more expensive than fully underwritten life insurance.

Sunlife offered Mrs H a policy with a sum assured of £5,405 for a premium of £40.00 a month.

We contacted all Insurance Providers and found a company who would be willing to assess Mrs H’s application and expected to increase the premium will a small ‘rating’. An application was submitted for a Whole of Life policy with a sum assured of £10,000 for a premium quoted as £30.33 a month.

The Insurance Provider obtained Mrs H’s medical history from her GP and were able to offer a Whole of Life policy with a sum assured of £10,000 for a final premium of £40.98 a month.

The Insurer also offer the Indexation Benefit so that the sum assured will increase with inflation which means that Mrs H doesn’t have to worry that her family will be left with a shortfall in paying for a funeral.

Mrs H was pleased to obtain full life insurance which offers almost double to the amount of cover offered by Sunlife for the same premium!

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.

Call me back

Interested in other case studies?

Client testimonials:

“The whole process ran smoothly from start to finish. we would have no hesitation in recommending Future Proof to friends and family needing advice.” – Posted on the Reviews.co.uk – March 2016

“My adviser very good at finding the best policy for me and was extremely kind and helpful nothing was to much trouble.” – Posted on the Reviews.co.uk – March 2016

If you would like to know more about a hematoma to the brain, the NHS website has some useful information.

To speak with one of our advisers please call Freephone: 0800 644 4468

Get a Quote

Interesting facts:

Get a Quote

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

Contact Sean Mchugh Middletown CT for a legal advice.

Case ref: 81395986