Cystic Fibrosis & Life Insurance
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Cystic Fibrosis & Life Insurance
When you are living with cystic fibrosis sorting things like life insurance can feel a bit daunting. This isn’t the case for everyone, but it can be quite normal to be unsure of the options that you can access and what the costs will be.
The good news is that there are some insurers in the UK that can consider life insurance applications, from people living with cystic fibrosis.
The options for life insurance will differ depending upon how old you and the symptoms that you experience. It is very likely that arranging life insurance for you will include the insurer asking your permission to see a report from your GP. If you are arranging life insurance and this isn’t being asked for, please triple check what you are looking at, as the life insurance will likely have an exclusion for claims relating to pre-existing conditions.
For most people living with cystic fibrosis the best life insurance policy for you will involve going through a full set of medical questions, that is then supported by a report from your GP. This report is often a huge positive as you can set up the life insurance knowing that the insurer has full details of your cystic fibrosis, and nothing relevant has been accidentally missed.
In order to find the best life insurance policy for you, we will ask you:
- How old are you?
- What symptoms of cystic fibrosis do you experience?
- What medications and treatments do you use?
- Do you have any additional conditions such as diabetes?
- Have you needed any surgery due to they cystic fibrosis?
When you apply for life insurance it is worthwhile preparing that your life insurance premiums are not going to be the same as what you see on price comparison sites, or initial quotations that you get with insurers. Once the insurer has assessed your application there will be some form of premium increase due to your cystic fibrosis, and the key is to find the option that increases your premium the least.
Life insurance in itself is often very cheap to start with and whilst a premium increase never feels nice, it is often nowhere near as bad as people expect.
When you have cystic fibrosis and apply for life insurance you will find that mainstream insurers tend to say that they can consider an application of 5-10 years, or up to age 40. This is not ideal for some people and unfortunately there are currently no alternatives for personal life insurance policies.
There can sometimes be life insurance policies that last longer, however these are usually provided through your employer. We can help you to establish if you are able to access these life insurance options.
Unfortunately there are times that mainstream insurers will not be able to accept applications for life insurance. An example of this is if you are awaiting a lung transplant. Insurers are very cautious of setting up life insurance where there is any kind of outstanding surgery. There are life insurance products that you can consider if you are in this situation, but they can come with specific claims restrictions and/or exclusions, and it is very important to make sure that you are aware of the policy limits.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Cystic Fibrosis & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
You will likely find that income protection with mainstream insurers is not available when you have cystic fibrosis. However, there are some specialist insurance products that you might be able to access.
Depending upon your symptoms and medications, there is the potential that you can access an income protection policy that can pay a claim for up to 1, 2, or 5 years per claimable event. The income protection policy will exclude claims relating to your cystic fibrosis, however there are still many situations where the policy could pay out and our advisers will help you to understand this.
It is also possible in some circumstances to be covered by income protection policies through your employer and we can help you to determine if these are available to you.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Cystic Fibrosis & 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.
Unfortunately at the moment there are no personal critical illness policies that can be arranged for people living with cystic fibrosis. This is because cystic fibrosis does increase the risk of claiming on certain parts of the policy.
There are sometimes options for cancer cover policies that you can consider. There are also sometimes options that can be arranged through your employer. These might be possible but both will exclude any claims that are related to the cystic fibrosis.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Cystic Fibrosis & 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 Cystic Fibrosis?
Cystic fibrosis is an inherited condition that causes a build up of sticky mucus in the lungs. This can damage the lungs over time and also cause problems in the digestive system, especially the pancreas. Cystic fibrosis is linked to the movement of salt and water in and out cells. Medical advancements mean that at the current time approximately half of people living with cystic fibrosis will live beyond the age of 40.
Also: CF
Linked with: Osteoporosis, diabetes, major organ transplant, liver transplant, double lung transplant
Possible Effects on Lifestyle
Some of the symptoms people may experience living with Cystic Fibrosis:
- Avoiding meeting other people with cystic fibrosis face to face
- Digestion difficulties
- Fertility considerations
- Hearing loss
- Lung infections
- Recurring chest infections
- Shortened lifespan
- Vitamin deficiency
Medications and Treatments
- Active cycle of breathing techniques (ACBT)
- Airway clearance devices
- Autogenic drainage
- Bronchodilators
- Diet planning
- Dornase Alfa
- Hypertonic saline
- Ivacaftor
- Kaftrio
- Kalydeco
- Lumacaftor
- Lung clearing exercises
- Lung Transplant
- Mannitol dry powder
- Orkambi
- Steroids
Further Reading and Research
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Common Questions
Hi, thank you for getting in touch. Unfortunately we still find that some insurers do not provide a lot of information when they decline someone life insurance. This is annoying as it’s not overly helpful and it doesn’t help you to know what to do next. As we were not involved in your original application we cannot ask the insurer for more specific details for you, due to data protection.
It might be that you are on a transplant waiting list, which would mean that many insurers would not be able to offer life insurance at the moment. It could be that you were in hospital recently and they just need another couple of months to pass, before they can consider your life insurance application.
Let’s arrange a time to chat and we can discuss your circumstances and give you more insight into why the insurer declined your life insurance.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 823 reviews.
Review by Innes and Jenny on 11th February 2025
“Would recommend! Nick (and Melissa) were very friendly and understood our needs. He helped find an insurer for us when we struggled to find one due to disclosures.” - 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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