Life Insurance with Von Willebrand Disease

Life Insurance

We recognize that receiving a diagnosis of Von Willebrand Disease can cause concern. Our responsibility is to make arranging your insurances stress-free.

Information we should be aware of:

• At what point were you diagnosed with Von Willebrand Disease?
• Please specify which type of Von Willebrand Disease you have: type 1, type 2, type 3, or acquired.
• Can you tell us how many instances of excessive bleeding and bruising you’ve experienced?
• How frequently do you experience significant bleeding?
• Does Von Willebrand Disease impact your work capabilities?

Life insurance options for individuals with Von Willebrand Disease may be offered at standard rates by certain insurers. The insurance provider you contact will want to know details such as the duration of your diagnosis with Von Willebrand Disease, the specific type you have, and the frequency of your bleeding episodes. Depending on the type of Von Willebrand Disease you have, your insurer may require a report from your GP to accurately assess how the condition impacts your health. After reviewing your Life Insurance application, the insurer may provide Life Insurance at either standard terms or special terms with a premium increase.

Critical Illness

Insurance providers may offer Critical Illness Cover for individuals with Von Willebrand Disease at standard terms. The insurer you choose for your Critical Illness Cover application will require information on your bleeding history, time since diagnosis, and the type/severity of the condition. The insurance provider will likely need to request a report from your GP to assess your health status; these reports are covered by the insurer and will not cost you anything. If you have access to Critical Illness Cover, the policy could be available under standard or non-standard terms.

Individuals with Type 2 or Type 3 Von Willebrand Disease may find it challenging to obtain Critical Illness Cover through the standard market. Individuals with Von Willebrand Disease can obtain a Critical Illness policy from a specialized insurer.

Income Protection

Income Protection for individuals with Von Willebrand Disease might be accessible at non-standard rates with certain insurers.

The insurer will typically request a report from your GP to determine the effects of the illness on your overall health, the duration of your Von Willebrand Disease diagnosis, and the frequency of bleeding episodes.

They will ask you about the amount of time you have taken off work because of the condition.

Individuals with Type 2 or Type 3 Von Willebrand Disease may find it challenging to secure Income Protection.