ADEM & Life Insurance
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ADEM & Life Insurance
Experiencing acute disseminated encephalomyelitis can be a very worrying experience, that can take a while to get over. When we have health shocks it can really make us think about the future and life insurance can be something that people want to get.
There are quite a few insurers that should be able to look at your application for life insurance, if you have recovered from the ADEM.
To get things started we will ask you:
- How many ADEM attacks have you had?
- When did the ADEM flare-ups happen?
- Do you have any lasting complications from the ADEM?
We have supported people who have had acute disseminated encephalomyelitis and continued to have ongoing symptoms. This can be things like reduced vision, walking difficulties and bladder and/or bowel complications. The insurers will mainly want to know how much the ADEM and any long lasting symptoms affect your ability to work and do day to day activities.
You may find that if you have experienced acute disseminated encephalomyelitis even if you have fully recovered with no longer lasting side effects, that the insurers ask to see a report from your GP to confirm you diagnosis and current health. This is very likely to happen if you do have long lasting symptoms. I see these reports as a positive as you then know that the insurer has all the accurate information and dates about your health, when they are assessing your application.
It could be that your life insurance application is offered at standard premiums, but it is more likely that they will increase your policy premium due to you having experienced ADEM. This really does depend upon how long ago the acute disseminated encephalomyelitis happened and your health now.
ADEM can at times be caused by genetics. Insurers are not allowed to ask you about any genetic testing that you have had and this will not come up in your life insurance application. They can however ask if you have been advised to have any medical or genetic screening due to a health condition that a close family member has had.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
ADEM & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
You can find that getting critical illness cover can be more difficult than life insurance, if you have experienced acute disseminated encephalomyelitis. This is because ADEM is closely linked to some health conditions that are claimable on a critical illness contract e.g. multiple sclerosis.
If you apply for critical illness cover it is essential that research is done with insurance underwriters beforehand, to make sure that you know what the final pricing will be and if there will any exclusions. It is possible that if critical illness cover is available to you that there will an exclusion for multiple sclerosis on your policy.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
ADEM & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
When you apply for income protection the insurer will likely ask questions about your ADEM, depending upon when you experienced it and if you have any long lasting symptoms.
If you have not experienced acute disseminated encephalomyelitis in some time and you are fully recovered, you might be able to arrange income protection at standard terms with some insurers.
If you do have any ongoing symptoms after experiencing ADEM then you might find that claims related to these are excluded from your income protection policy.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
ADEM & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is ADEM?
Most often caused by viral infection ADEM causes inflammation of the brain and spine. The symptoms are acute and progress quite quickly, and can be a one-off, or in very rare cases this disease can return. The severity of acute disseminated encephalomyelitis differs from one person to another. At the beginning, the symptoms can be very similar to other illnesses, eg confusion, fever, fatigue, nausea, which can make it difficult to spot.
Also: Acute disseminated encephalomyelitis, postinfectious encephalomyelitis
Linked with: Encephalitis, Multiple Sclerosis, Neuromyelitis Optica
Possible Effects on Lifestyle
Some of the symptoms people may have while experiencing ADEM:
- Confusion
- Fatigue
- Fever
- Irritability
- Nausea
- Numbness on side of body
- Paralysis of part of body
- Slurred speech
- Vision loss
Medications and Treatments
- Corticosteroids
- Immunoglobulin (IVIg) therapy
- Immunosuppressive therapy
- Plasmapheresis
Further Reading and Research
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Hi, it’s lovely to hear from you and I’m sorry that you’ve been finding getting life insurance so hard. We would be more than happy to chat through your circumstances and help you. The key things are how long ago it was that you experienced acute disseminated encephalomyelitis and if you have long lasting symptoms after it.
We have helped people that have experienced ADEM to get life insurance before and know the best way to support you. I will get in touch with you to arrange a time for us to have a chat for a no obligation quotation.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 808 reviews.
Review by Masharaf on 15th August 2024
“Life insurance at last. Excellent service, got life insurance which met my needs and importantly considered my ongoing health requirements. Where mainstay insurers did not consider my insurance due to my health despite being active and healthy.” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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