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Life Insurance with Fibromyalgia. Everything you Need to Know

News

Life Insurance with Fibromyalgia. Everything you Need to Know

23 May, 2023 by Coppertops Leave a Comment

Can I qualify for Life Insurance or Mortgage Protection if I have been diagnosed with Fibromyalgia?

I have good news. It is possible to qualify for life insurance if you have been diagnosed with fibromyalgia. However, the terms of your policy and the premiums you will pay may be affected by your diagnosis.

If you have been diagnosed with fibromyalgia, the insurance company may ask for more information about your condition and how it is being managed. They may also ask about any other medical conditions you have, as well as your family medical history.

Each insurer has different underwriting guidelines and may have different underwriting approaches when underwriting those with fibromyalgia. 

If you have been diagnosed with fibromyalgia, the insurance company may ask for more information about your condition and how it is being managed. Some of the information they may request includes:

  • When you were diagnosed.
  • What symptoms you experience.
  • Any medications / treatment you are taking.
  • Does the condition affect your work schedule and your daily life.
  • Do you suffer from depression or any other mental health conditions.

Once your fibromyalgia is well controlled and your condition is not severe, then you may be offered cover.

If you suffer from a more “serious” case of Fibromyalgia, the good news is that you may still be able to qualify for a traditional life insurance policy with an added ‘loading’ to the standard premium (this is an additional sum charged on top of their standard monthly premium to reflect their additional risk).

Our Process

At OneLife Insure, we have access to all insurers in Ireland and some UK insurers too.

Our research process involves us contacting all these insurers to find out the best possible outcome for our clients. 

We have up to date knowledge of the ever-changing landscape of underwriting for all providers in Ireland. What’s more, our advice comes at no obligation and with no hidden costs.  You don’t pay us directly, but we do get paid by the insurer if you decide to start a policy with them.

Next steps

Whilst you are welcome to get a quote online at Get a Quote – OneLife Insurance, we would recommend you speak to one of our advisers.

Any quote that our advisers provide will consider your circumstances and medical history, as well as your budget.

It’s worth noting that an online quote is just that – a quote – it is NOT an offer of cover. What really matters is the cover and the premium you are offered, after your application has been assessed.

Call us on 01-5390410 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  If there is cover to be got for you, we will find it. All applications are subject to underwriting.

Filed Under: News

Freddy Krueger’s Life Insurance Application was a Nightmare

21 October, 2022 by Coppertops Leave a Comment

Over the years OneLife Insure has had many interesting characters contacting us regarding Life Insurance, such as Santa Claus, and Harry and Megan to name a few, but none scarier than Freddy
Kreuger.

Yes, Freddy contacted our advisors this week, looking for a protection plan to be put in place. He was a complete ‘nightmare’ of a customer, very rude and we knew he was withholding information to us regarding his health and lifestyle. Freddy … We have all seen the movie.

The importance of Full Disclosure

We highlighted the importance of full disclosure to Freddy and the reasons why he must answer his health and lifestyle truthfully when applying for Life Insurance. We told him:

  1. By providing full details of any medical history and his ‘interesting pastimes’ at the outset he
    will remove any doubt that a claim will be refused for failure to disclose.
  2. We want Freddy’s insurance to pay out – If he makes a claim on his policy, he will want the
    claim to be paid. If the insurers find during the claims process that he withheld details at the
    time of his original application, his claim may not be paid.

Freddy being Freddy, he was having none of this. He was giving the insurer false information and he was purposely omitting to disclose material facts. The insurer had no option to consider his
application as invalid.

On rare occasions, people, like Freddy, might not be fully truthful in their life insurance application to avoid paying a higher premium. Someone who has significant pre-existing health conditions are likely pay a higher rate than someone who is in good health.

Despite a fear of a higher premium, the best course of action is to truthfully answer Life Insurance application questions to avoid policy denial or cancellation during a claim.

If you are worried about paying a higher rate based on your health status, please contact our
advisors. We are here to help you tailor a plan to suit your needs and your budget.

Thankfully Freddy did not become a client of OneLife Insure… as for his neighbours. Our advice to
them is to contact us as soon as possible…. as One Two, Freddy’s coming for you!

Filed Under: News

Life Insurance with Ankylosing Spondylitis

14 October, 2022 by Tom Grant Leave a Comment

In this article, we wanted to take a moment to answer some of the most common questions we get from clients wishing to apply for life insurance after having been diagnosed with Ankylosing Spondylitis.

  • Can I get Life Insurance and Serious Illness Cover, I have been diagnosed with Ankylosing Spondylitis?
  • What kind of information will the insurance companies ask me or be interested in?
  • How much will the cover be?
  • What can I do to help ensure that I get the most appropriate cover at the best rate?

Can I qualify for Life Insurance and Serious Illness cover if I have been diagnosed with Ankylosing Spondylitis?

Yes, individuals who have been diagnosed with Ankylosing Spondylitis should be able to qualify for Life Insurance and Serious Illness Cover.

What kind of information will the insurance companies ask me or be interested in?

Typical questions you’ll likely be asked may include:

  • Date of diagnosis
  • Symptoms
  • Treatment / medication
  • Any planned surgery
  • Severity of condition
  • Your Lifestyle (Gym, Swimming, Sports etc)

How much will my cover cost?

As a specialist broker, we know which insurers are most lenient when it comes to Ankylosing Spondylitis.

As you can see, there are many factors that the insurer will look at. Therefore, it’s pretty much impossible to know for sure what kind of cover you might be able to qualify for without first speaking with you for a few minutes.

Many people with AS respond well to treatment and thankfully can lead a life where it does not affect their day to day living. Many of our clients with AS work full time, they regularly play golf, badminton and cricket. If your condition is well managed and you don’t have any complications, you may be able to get standard terms life insurance.

If your condition is preventing you from working or preventing you from being able to live a “normal” life, chances are you’re going to have a more difficult time qualifying for a Life and Serious Illness Cover. It is best to talk to us first.

What can I do to help ensure that I get the most appropriate cover at the best rate?

Look for a specialist Life Insurance advisor, who not only have experience working with individuals who have been diagnosed with AS but also have access to all the life insurance companies.

The good news is that this is exactly what you’re going to find here at OneLife Insure.

When speaking to us, don’t just tell us about your AS, make sure to tell us about your lifestyle which may help your application.

If you are looking for ankylosing spondylitis Life Cover, Serious or Critical Illness cover or Income Protection, contact our team of experts at OneLife Insure to see what we can do to help you protect your loved ones and save you money.

Filed Under: News

Life Insurance for Astronauts

10 August, 2022 by Tom Grant Leave a Comment

A jacket worn by Buzz Aldrin’s historic first mission to the moon’s surface in 1969 was auctioned off to a bidder for nearly $2.8 million recently.

Today the names of Neil Armstrong, Michael Collins and Buzz Aldrin will be forever remembered throughout history. These men and their families presumably have not had financial worries for a long time.

However, that was not always the case. Before these heroes walked on the moon, they had a very serious financial problem to solve, which was trying to get Life Insurance.

They were under no illusions that flying to the moon may have been the last thing they ever did. Unfortunately, neither was any insurer.

Try explaining to a Life Insurance underwriter that you plan to blast into space in a rocket fully loaded with refined kerosene. Then you plan to spend three days flying through space, land on the Moon, the get out and hop about for a while, turn around and fly back for another three days, before landing in the middle of the sea.

It’s understandable why they did not get an automatic ordinary rates online decision.

Offered Cover at $50,000

The Apollo 11 crew were reportedly offered Life cover at a premium of $50,000 each. In today’s money that’s around €400,000 per astronaut.

At the time they were on a reasonable federal salary, and obviously they could not afford such a hign premium. So, Armstrong came up with an ingenious idea.

A month before they were set to go to the moon, the three astronauts were locked into a quarantine room, and they got busy providing for their families the only way they could — they signed hundreds of autographs on envelopes emblazoned with various space-related images. These envelopes are now often referred to as ” Apollo Insurance Covers.”

With hundreds of these signed, the crew left them in the hands of trusted friends, to keep for the their family, and under a wave of fanfare they blasted off to the Moon.

These limited edition ‘Covers’ already had incredible value. However, should the team fail to make it back to Earth following their mission, that value would have shot up, and the crew’s families could be provided for with the sale of the covers.

Fortunately, the trip went off without a hitch and all three men went on to live long, healthy lives and all remained alive until Armstrong passed away age 82, and Collins passed away age 90. The Insurance Covers remained with the astronauts for a long time. Some began to appear at auctions from the 1990s, selling for around $20,000 to $46,000.

OK.. Lets get down to earth!

We understand that not everyone has ambitions to fly to space or walk on the moon any time soon, but we at OneLife Insure are still committed to helping you get the best deal on a Life Insurance policy that is most appropriate to suit you and your family’s needs.

That means providing cover that’s built around your own unique circumstances. To get the best advice on how Life Insurance could work for you use please go online and get a quote on your website or call us on to speak to one of our expert advisors to discuss your options.

Filed Under: News

Income Protection for Santa

25 November, 2021 by Tom Grant Leave a Comment

Look who is back looking for more cover!!

Income Protection for Santa

Last year we advised Santa on Life Insurance, and we tailored a family protection plan for him and Mrs Claus. They were delighted to get that sorted. This year Santa Claus came back to us to enquire about Income Protection.

What is Income Protection for Santa?

Income Protection will pay Santa a regular benefit if he was unable to carry out his job due to illness or injury. We were able to offer Santa flexible features to provide the right cover for him. As with all prospective clients, our job was to advise Santa on the most appropriate plan to suit his needs.

Were we able to get Santa Cover?

There are a number of factors that determine if cover is available to Santa and how much his premiums will be.

Age – Santa is nearly 2000 years old, however, due to his magic powers he doesn’t look or feel like someone so old. If he was younger his premiums would be better value.

Health – Santa is in great health, in fact, he has never had any health issues. This is good news for Santa as his premiums were not affected.

Weight – As we know Santa enjoys biscuits, cake, and hot chocolate. His diet doesn’t help and it puts Santa a little overweight. With a BMI of 38, Santa will have to pay a little more than someone who is a healthier weight.

Smoking Status – Santa used to smoke a pipe, but thankfully he quit years ago. As he has not smoked in over 12 months he qualifies for non-smoking rates.

Occupation – Not surprisingly, Santa’s occupation was not listed in any Insurers ‘List of Occupations’.

So we contacted the Underwriters to discuss the duties of his occupation.

What is an Underwriter – When they were younger they asked Santa for pretty uncool stuff like Calculators, Mugs and Science Books from Santa. They decide if someone is eligible for cover and how much the premiums will be.

Initially, they were reluctant to take on Santa as a client.

However, we explained his duties in detail to them. Yes, he does he fly around the world in a sleigh pulled by Rudolph and the other reindeers. Yes, he does work on rooftops and makes his way up and down chimneys also. But these so-called high-risk duties were carried out only one day a year. For the rest of the year, he is doing mostly administration work, reading letters and managing the cheeky Elves in the North Pole.

As a simple rule, the less likely you are to fall ill and make a claim on your policy, the better value your cover will be. So the younger you are when you apply for your policy and the healthier your lifestyle, the lower your insurance premiums will be.

Verdict:

Did we get Santa Income Protection?

Yes, we were delighted to find Santa the Income Protection cover he always wanted. We searched the market to find the best value insurance for him, based on his circumstances. We have booked Santa in for a review of his plan in 12 months’ time.

Income Protection for Santa

What about the Elves – can they get Income Protection?

The good news here is that Santa was so happy with his new plan that he arranged an Income Protection Group Scheme for the Elves. If you want to know more about Income Protection for yourself we’re here to help. If you own a company, or you manage your own group of Elves…..Why not get them set up on Company Group Scheme?

Income Protection Group Plan

Call us on 01-5390410 or send us an email at info@onelifeinsure . One of our expert advisers will be glad to help you. We’ll arm you with the right information and answer any questions so you can protect the life you love.

Filed Under: News

Has EBS sold your Mortgage to Mars Capital Finance Ireland?

2 June, 2021 by Tom Grant Leave a Comment

Let me guess you have recently received a letter from EBS to inform you that they have sold your mortgage to Mars Capital Finance Ireland, which is one of the biggest foreign buyers of Irish mortgages in the aftermath of the financial crisis.

You will also have received a letter from EBS informing you that they have stopped paying premiums to your Life Insurance/ Mortgage Protection.

What does this mean to your cover?

Firstly, let me explain what is happening. When you took out your Mortgage with EBS, you also took out your Mortgage Protection with them, and your premiums were part of your mortgage payment. You had what is known as a block policy.

Now that EBS has sold your mortgage, they have no interest in this Mortgage Protection Plan anymore, and it has not been passed over to Mars Capital.

Your payments to Mars Capital do not include your Mortgage Protection, so the insurers are not getting paid for your cover.

mortgage protection ireland

What do you need to do?

If you do not take action quickly your cover will lapse and all the premiums you have paid into it will be lost. No benefit will be paid as the result of a claim.

You can contact Irish Life directly, however they will only advise you on their products, and to be honest they will admit themselves that their joint mortgage protection cover is not the best cover or cheapest in the market.

Your best option is to contact a Protection Specialist Broker (Ahem!! Ahem!!) who will give you the best advice on the best plan to suit your needs, and run through all your options.

If you have received a letter from your Bank/ Lender informing you that they have sold your mortgage and you are not sure what is happening to your existing Life Insurance/ MortgageProtection, please get in touch with us.

We will be glad to advise you on the most appropriate cover to suit your needs.

ebs mortgage ireland

Contact Name: Tom Grant

Email: tom@onelifeinsure

Phone: 01-5390410

Web: www.onelifeinsure.ie

Filed Under: News

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