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Broker help - Pregnancy & Life Insurance

Article On -PREGNANCY & LIFE Assurance ~ Broker Help

Pregnancy & Life Insurance Underwriting

PREGNANCY & LIFE INSURANCE ~
               UNDERWRITING ISSUES

Pregnancy and Life Insurance 
 
If you are currently pregnant, a broker may be able to help you obtain life insurance or critical illness cover at normal rates dependant on when you are due. However, if there are complications with your pregnancy, this maybe not be on standard terms. There are some critical factors involved that will determine your ability to obtain coverage & your information is always treated with the utmost privacy by the insurer or broker.

If however you are not Pregnant but just looking now for comprehensive cover to insure youself before hand in the event of death or illness diagnosis ( not insure yourself against getting pregnant or having twins ) - then we can help you with a competitive Critical Illness Insurance Quote. Note many Uk life insurers can also now also cover your children from 1 upto age 18 via your critical illness insurance cover plans. 

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" Women planning to get Pregnant - should get Life or Health Insurance Cover beforehand "

Women planning to have a baby should consider buying life or health insurance before they get pregnant. Often a woman can get insurance through the end of her first trimester but after that, there may be a waiting period following her baby's birth - for some Insurers. 
 
Why ? Well women who have straightforward pregnancies should have few problems getting life insurance, but those who may incur various complications and then seek life cover are likely to find some Uk life insurance companies refuse to sell them a policy until after their child is born.

What can problems arise from being Pregnant & make it hard getting Life Insurance ?

Death through pregnancy is rare today in the UK but there can be other complications. Conditions such as gestational diabetes, raised blood pressure causing possible heart disease, obesity & weight problems, toxaemia and hypertension are likely to result in an insurance application being delayed. Many Insurers in 2019 state they are now seeing a new generational wave of high-risk mothers - who are more likely to face complications or women who have IVF and are likely to have multiple births, increasing the risk of severe pre-eclampsia. 2'nd pregnancies where the first has been complex would almost certainly cause insurers to delay cover until after birth.

Serious pre-existing medical conditions can advance rapidly, or be untreatable during pregnancy and sometimes these can go undetected until the baby is on the way. Breast cancer can thrive in maternity months and the delay of an operation could mean increase health risks. Cervical or other types of cancer cannot be treated while a child is being carried.

 So although many insurers will now sell insurance to healthy pregnant women, they may however not allow them to take out a 'waiver of premium' option - insurance to cover the cost of premiums if the holder is off work through illness for any length of time - until after the baby is born. This may be because insurers fear exposing themselves to the liability of pregnant policy holders taking more time off work through morning sickness.


Pregnancy & Life Assurance Underwriting

In most cases, this will may include a Doctor's GP report to confirm pregnancy is proceeding without any issues. Note non-disclosure of your actual status, 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 someone who is Pregnant ?

It would depend on the type of problems faced as explained & 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 standard rates to a premium rating or deferral to well after child birth. Note that decisions may vary quite dramatically between insurers so please contact us for help & advice.

  • History - Any problems now & 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  Being Pregnant ?  If you have already developed associated issues, many companies may medically increase costs for people looking for insurance. eg; Pre or Postnatal depression   
  • Treatment - Have you been on any treatment ?  
  • Family History - Does you mother or sisters have a history of Pregnancy complications ?  If so what type do they have ie; Miscarriage, Still birth, etc; ?

For help with any Pregnancy issues why not visit  www.askbaby.com * or www.pregnancy.org *
( * 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.) 



> Need a Competitive Life or Critical Illness Insurance Quote in 2019 ?

 

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This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. 
For protection we offer products based on a fair and personal analysis.

By completing one of our no obligation quotation request forms, you may be provided with comparison protection quotes, key facts from leading Providers - based just on the basic information you have provided. Note: These quotes will not take account of any personal, health or lifestyle issues unless a full application is completed. You also consent for us to then kindly contact you by phone - where we may offer Professional Broker help & guidance if needed. We may as appropriate then help to arrange a suitable protection policy based upon your own circumstances & needs after a further review by "advice & recommendation". This will usually be on a non face to face basis.

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* Note: re any 3'rd Party Website links - 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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