Life Insurance

Obtaining life insurance with Cystic Fibrosis can pose challenges due to the risks and complications involved with the condition. If your condition is not severe and you have not experienced any complications, it may be possible for you to obtain coverage.

Life insurance providers will need to know a few things about you to assess whether they can offer you cover, we may ask the following questions:

  1. When were you diagnosed?
  2. What organs are affected?
  3. What symptoms do you have and how frequent?
  4. Have you had any treatment / surgery for your condition?
  5. Do you have any other medical conditions?
  6. What is your Body Mass Index (BMI)?
  7. Do you smoke?

Individuals with Cystic Fibrosis must meet specific criteria to qualify for full coverage when seeking life insurance. Individuals with mild conditions and good lung function may still be able to get insurance coverage, but they should anticipate higher premiums. Having other respiratory conditions or complications can pose challenges when trying to get life insurance.

Individuals with more severe conditions may not qualify for full coverage, but there are policies that may exclude pre-existing conditions such as Cystic Fibrosis while still providing coverage for other medical needs. The processing of your application will be delayed until after any scheduled surgeries or procedures have been completed.

Critical Illness

Obtaining Critical Illness Cover for Cystic Fibrosis can be challenging. Your policy may not cover Cystic Fibrosis or other pre-existing medical conditions. The outcome is contingent on the seriousness of your condition, along with any treatment or related concerns.

Income Protection

Securing Income Protection for Cystic Fibrosis can be challenging, based on the severity of your condition and any associated complications. It can be challenging, particularly if you have other existing medical conditions. There are policies that are available to you, but they will exclude coverage for Cystic Fibrosis.