Employment and Support Allowance (ESA)
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Hi, my name is MrsE1512!

This might seem like a random/ inappropriate question for this forum but I’m hitting brick walls wherever I go so here goes. I’m 35 and suffer with left-sided hemiplegia (from birth). My four year old son suffers with right-sided hemiplegia (also from birth) but I’m told that our cases aren’t related/hereditary, rather just bad luck!

I’m recently married and my husband and I wanted to take out a joint Life insurance policy.  Everywhere we’ve tried it appears that they’ll cover my husband without issue. However for me, it’s a case of ‘computer says no’ to critical illness cover and they want to charge me the earth for life cover.  I’m fully physically mobile and have no issues cognitively.

Has anyone had a similar experience or is able to point in the right direction for advice on this, please?

Replies

  • GeoarkGeoark Community champion, Scope Volunteer Posts: 1,349 Disability Gamechanger
    Hello @MrsE1512 and welcome to the community.

    Have you tried going through an indepedent financial advisor to source life insurance? Finding one who specialise in life insurance should help you in finding the best deal for your situation. Sorry I am not able to recommend anyone.


    As an individual I stood alone.
    As a member of a group I did things.
    As part of a community I helped to create change!

  • MrsE1512MrsE1512 Member Posts: 2 Listener
    Hi Geoark

    thanks for your reply. Yes, it was through an independent financial advisor that i approached the first life insurance provider that refused to cover me and after that I instructed the advisor not to try any more providers and pursued it myself. I guess though, that was one advisor and I could approach another. I think I may have to, to manoeuvre what seems to be a complex process. Thanks again!
  • Pippa_ScopePippa_Scope Member Posts: 5,856 Disability Gamechanger
    Hi @MrsE1512, and welcome! Do keep us updated and let us know how you get on with this, and we'll assist where we can.
  • GeoarkGeoark Community champion, Scope Volunteer Posts: 1,349 Disability Gamechanger
    Hi @MrsE1512 it may be worth doing a search online first for one that specialises in insurance.

    When I tried searching hemiplegia it kept linking to strokes, which has high risk factors to it, especially for further occurances. Depending on how your health has been since, if nothing significant has occurred since the risk should not be so high. You are probably not going to get the best deal. Your current lifestyle could also have an effect, such as smoking or regularly drinking.

    As I said I cannot recommend a company, however if  you go to google and type in: life insurance after a stroke
    you will get a list of companies who specialise in getting life insurance for those in situations like yourself. Please take time to check a few out rather than jumping to the first one, and probably better to ignore the first few with ad in front of them.

    Hope this helps.

    As an individual I stood alone.
    As a member of a group I did things.
    As part of a community I helped to create change!

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