Life Insurance
Individual diagnosed with neurofibromatosis type 2 may find adjustment challenging due symptoms becoming more active with age, necessitating adaptation of a new lifestyle. Symptoms of NF type 2 can vary widely among individuals, and our goal is to assist you in identifying the specific information that insurers require.
Information we are required to be aware of:
- When were you diagnosed with neurofibromatosis type 2 (NF2)?
- What medications and treatment do you take?
- Do you use mobility aids?
- Are you able to work?
- How many neurofibromas do you have?
- Have you had surgery to remove any tumours?
When applying for Life Insurance, it is necessary to fully disclose neurofibromatosis type 2 to the insurer, who will request a report from your GP. Your doctor will provide information regarding the severity of your NF type 2. This includes describing the number of tumors present, number of tumors removed, rate of tumor development, as well as any other relevant medical conditions and treatments related to neurofibromatosis. Your Life Insurance application may be approved with a rate increase under non-standard terms. For those facing challenges finding Life Insurance because of NF2, specialized policies are available for application.
Critical Illness
Critical illness cover with neurofibromatosis type 2
Critical Illness Cover for individuals with neurofibromatosis type 2 will be evaluated based on a report provided by your GP. Any Critical Illness Insurance offer presented to you will be customized in accordance with the severity of past and current tumors, the rate of tumor advancement, and any associated secondary conditions. Your Critical Illness Cover may contain an exclusion related to deafness due to the high risk of hearing loss associated with neurofibromatosis.
Income Protection
Income protection with neurofibromatosis type 2
Income Protection might be available for individuals with neurofibromatosis type 2 under non-standard terms. The Income Protection offer you receive will depend on the health information provided by your doctor regarding your current and past medical history. In cases where NF2 symptoms are advanced, there is a possibility that Income Protection application may not be approved.
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About the author
Damian Youell
Damian is the founder of NeedingAdvice.co.uk and the firm’s Senior Mortgage Broker. He specialises in helping clients across the UK with straightforward and complex mortgage cases, including self-employed applications, adverse credit, buy-to-let, remortgages and first-time buyer mortgages.
Alongside mortgage advice, Damian also supports business owners with protection planning, including Relevant Life Policies, Shareholder Protection and Keyperson Cover.
Read independent client feedback and verified reviews for Damian and the NeedingAdvice.co.uk team below.