PARKINSON'S & LIFE INSURANCE ~ UNDERWRITING ISSUES
Parkinson's Disease and Life Insurance
The average age they state for symptoms to start is around age 60 with men far more likely to get Parkinson's disease than women. In England, the ethnic group most likely to develop Parkinson's disease is white people with rates significantly lower in black and Asian people.
Parkinson's disease is not fatal but can place great strain on the body. Some people may respond well to medical treatments, only experiencing mild to moderate disability. However, others experience more severe disability. Due to advancements in treatment, people with Parkinson's disease now often have a normal or near-normal life expectancy.
So if you have a medical history of having Parkinson's Disease, a broker may still be able to help you obtain life insurance - although maybe not on standard terms.
What is Parkinson's Disease ?
Parkinson's disease is a condition in which part of the human brain slowly becomes progressively more damaged over the years (a progressive neurological condition). Parkinsons disease is caused by a loss of nerve cells in part of the brain called the substantia nigra & leading to a reduction in the amount of a chemical called dopamine. This plays a vital role in regulating the movement of the body and this reduction in dopamine is responsible for many of the symptoms of Parkinson's disease. Exactly what causes this is still unclear. Most experts think that a combination of genetic and environmental factors is responsible.
Parkinsonism is the term that covers several conditions, including Parkinson's - plus other conditions with very similar symptoms.
The Main Symptoms of Parkinson's disease - Insurance
Mainly related to movement:
Involuntary shaking of particular parts of the body - known as tremor
Muscle stiffness that can make some everyday tasks very difficult - known as rigidity
Physical movements start to become very slow - known as bradykinesia
A person with Parkinson's disease can also experience a wide range of symptoms unrelated to movement (non-motor symptoms) such as: depression, daytime sleepiness or dysphagia (difficulties swallowing)
Parkinson Disease & Life Insurance Underwriting
Each individual will have personal circumstances and Uk life insurance companies will want to gather as much information as possible before making an underwriting decision. In order to check the severity of the Parkinson's Disease, Insurers will be likely to request a GP or Medical Report.
Note non-disclosure of your actual history of Parkinson's Disease wether actual or suspected, may make any plan claim void & the insurer is not obliged to refund any premiums paid if this was deliberately not disclosed.
What do Uk Life Insurance Companies look for - when Underwriting a History of Parkinson's Disease ?
It would depend on the history of Parkinson's and its severity as mentioned above. For Life or Critical lllness Cover most Uk insurers would view each case on an individual basis before making a decision. However the likely decision for all types of cover maybe a premium rating or decline in the worst cases. Note that decisions may vary quite dramatically between insurers so please contact us for help & advice.
History - What happened in the past? How severe is Parkinson's & how does this affect you day to day?
Medical Records - What do your medical records say about you? Have you developed medical problems as a result of the Parkinson's Disease ? If you have already developed associated problems as a result, many companies may probably decline you.
Treatment - Have you been for treatment & if so what type.
Family History - Do you parents or brothers or sisters have a similar history of Parkinson's Disease also?
For help with Parkinson's Disease issues why not visit www.parkinsons.org.uk or www.parkinsonsdisease. com *
( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.)
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