Polymyositis & Life Insurance
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Polymyositis & Life Insurance
We appreciate that your might have concerns when applying for life insurance, whilst you live with polymyositis. Polymositis can affect people in many different ways and it is important you are listened to as an individual.
We do our best to ensure that applying for life insurance, is not a difficult process for you.
Things we need to know:
- When were you diagnosed with polymyositis?
- Do you take any medication for this?
- Which muscle areas within your body are affected?
Life insurance for people living with polymyositis will typically be available at non-standard terms. This means that the policy premiums are increased. It is really important to find the insurer that will increase the life insurance premiums by the lowest amount.
The insurer that you approach will often want to confirm how long you have been diagnosed with polymyositis, the medications that are in use and the strength of your symptoms, by asking to see a report from your GP to confirm everything.
Depending upon the strength of your symptoms and medications that you take, the insurer may choose to place a premium loading on the policy, postpone the application until a set date or in rare cases decline the cover.
If you do have your application declined or postponed, it doesn’t feel great, but please do not panic. Sometimes it is simply that your application should have been placed with a different insurer.
Our advisers research the market for you, discussing your medical history with insurers before your life insurance application is started, so that we can properly advise you on what might be available.
Polymyositis & 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.
Critical illness cover for people that have polymyositis may also be available, provided that your symptoms and medications match what the insurer can accept.
The insurance provider will want to see a report from your GP to check your overall health and how well the polymyositis is managed. A GP report can only be accessed with your expressed written permission.
Your critical illness cover application may be accepted at non-standard terms (premium loading), postponed until a set period of time has passed or declined.
There are certain policies that can be arranged through employers, that can offer you critical illness cover, even if you cannot arrange it personally. If you have your own business or work with a company that cares about its’ employees, we can advise you on how to access this critical illness policy type.
Polymyositis & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for people with polymyositis can be available with a number of insurers. You are likely to receive more favourable terms, if you are on little or no medication to control your symptoms.
The insurance provider that you approach will be interested in whether the polymyositis has caused you to have any time off work.
The insurer will probably want to see a report from your GP to confirm details about your diagnosis. Any terms of income protection that you are offered will be at non-standard terms, with most insurers. This is likely to be a premium increase and/or exclusion for claims relating to the polymyositis.
GET AN INCOME PROTECTION QUOTE
If you find that income protection is not available to you or the terms offered do not meet your expectations, you should consider accident, sickness and unemployment cover. Accident, sickness and unemployment cover offers short-term income protection that will pay a benefit from between 12 and 24 months. This type of policy will pay out if you are unable to work due to disability, long-term injury or involuntary redundancy.
Your medical history has no bearing upon the acceptance terms of an accident, sickness and unemployment policy. However any claim that you place on the policy will exclude inability to work due to polymyositis and any other medical conditions that you have at the time that the policy starts.
Polymyositis & Travel Insurance
Are you planning a trip abroad? It is worthwhile making sure that you know exactly what your travel insurance covers you for, when it comes to a pre-existing health condition. Visit our dedicated travel insurance page for more information, here.
What is Polymyositis?
Polymyositis is a condition where many of the larger muscles within the body become inflamed; often affecting the hips, shoulders and thighs. The condition is typically diagnosed in those that are middle-aged and tends to affect more women than men. Polymyositis is an autoimmune condition which means that the painful muscle inflammation and weakness is caused by the immune system attacking the body’s own tissues.
Also known as: Myositis
Linked with: Dermatomyositis, autoimmune disease, cancer, diabetes, thyroid disease, myasthenia gravis, post-infectious reactive myositis, inclusion body myositis (IBM), rheumatoid arthritis, lupus, scleroderma, juvenile dermatomyositis, osteoporosis
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have polymyositis include:
- Fatigue
- Flu like feelin
- Muscle weakness
- Difficulty breathing
- Difficulty swallowing (dysphagia)
- Mobility issues
- Weight loss
- Night sweats
- Bent joints (flexion contracture)
Medications and Treatments
- Azathioprine
- Calcium tablets
- Cyclophosphamide
- Disease-modifying anti-rheumatic drugs (DMARDs)
- Immunoglobulin infusions
- Infliximab
- Intravenous immunoglobulin therapy
- Methotrexate
- Physiotherapy
- Rituximab
- Vitamin D tablets
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, thank you for reaching out to us. A lot of insurers like outstanding tests and investigations to be completed, before they offer life insurance. That isn’t all of them, but quite a lot will.
It could be that you can look at some non-medically underwritten options, or potentially some policies that can be offered through employers, whilst the consultants are speaking with you.
There are a lot of different options, some are quite straightforward and some are a bit quirky. I can have one of our advisers call you, to chat through things.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 807 reviews.
Review by Alan on 2nd April 2021
“Cura helped me so much in the process of getting my life insurance sorted. I have complex mental health issues and I was getting nowhere on my own but they guided me through everything in a really respectful and understanding way and also helped me decide what cover to go for when the offer came in and didn’t push the higher priced cover. Can’t recommend enough” - 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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