March 8, 2018

eye anatomy

Arranging Life & Critical Illness cover with Retinitis Pigmentosa

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.

The Condition

Retinitis pigmentosa (RP) is a group of rare, genetic disorders that involve a breakdown and loss of cells in the retina—which is the light sensitive tissue that lines the back of the eye. Common symptoms include difficulty seeing at night and a loss of side (peripheral) vision.

Similar rare conditions exist such as:
Gyrate Atrophy – an inherited disorder of protein metabolism characterized by progressive vision loss. Symptoms such as nearsightedness (myopia), difficulty seeing in low light (night blindness), and loss of side (peripheral) vision develop during childhood. Over time, the field of vision progressively narrows, resulting in tunnel vision. Cataracts may also develop. These vision changes may lead to blindness by about the age of 50.
Cone Dystrophy – a general term used to describe a group of rare eye disorders that affect the cone cells of the retina. Cone dystrophy can cause a variety of symptoms including decreased visual clarity when looking straight ahead (central vision), a reduced ability to see colours and an increased sensitivity to light (photophobia).
Optic Atrophy –  is an end stage that arises from myriad causes of optic nerve damage. Since the optic nerve transmits retinal information to the brain, optic atrophy is associated with vision loss.

Our Client

We were contacted by a 30 year old lady who was interested in arranging life insurance. After speaking with one of our advisers and discussing their personal and financial situation, it was agreed that it was also important to arrange some critical illness cover as well.

We contacted a range of insurers and owing to the rare nature of the condition, many underwriters wanted to look into the condition further which would have extended the application period significantly.

However one insurer was able to offer the insurance immediately to our client on standard terms for life insurance with no premium increases or exclusions, and the critical illness cover with no premium increases but understandably, with an exclusion for any claims relating to blindness.

Our client now has a life and critical illness policy with a total sum assured of £130,000 for a monthly premium of just £29.20 per 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.

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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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Client ID: 128251917