Cystic fibrosis
life insurance

Having cystic fibrosis can affect your life insurance in a number of ways (depending on the severity). You may experience increased premiums or even be declined.

Even so, it can be possible to secure an affordable policy and keep your loved ones protected by understanding which options may be available to you.

Below are some examples of the possible outcomes for an applicant with cystic fibrosis depending on the severity of their condition (although the outcomes can also depend on the insurer):

Please note, whether you’re accepted for a policy and the cost of your premiums will also be based on factors such as your BMI, smoking status and age.

Cystic fibrosis is considered a high-risk condition due to its progressiveness, therefore it could be more difficult to find cover. Regardless, this doesn’t mean you can’t explore your options, as you may still be eligible to secure a policy.

Contact Reassured for expert support and free quotes.

It’s possible, although income protection may be slightly tricky to secure, depending on the severity of your condition and the complications that may occur.

Income protection could pay out up to 70% of your usual earnings if you fall ill or have an injury, preventing you from working.

Similar to a life insurance policy, your premiums are calculated based on the likelihood of a claim. If you have mild symptoms and your condition does not affect your daily life, it may be easier for you to secure cover.

If your condition is deemed as high-risk by providers and you have a history of taking time off work previously due to your condition, there’s a chance of them adding exclusions to your policy to compensate for the increased risk. The insurers may also increase the premium or decline the application.

To have an added exclusion to your policy means you won’t be able to make a claim for your condition.

However, if your condition doesn’t impact your daily life and you have mild symptoms, there’s still a chance you will not have to have an added exclusion. It will depend on the provider and the terms they offer as to whether they’ll cover your condition or not.

Reassured could help you find the most suitable policy for your needs.

Being declined life insurance can be disappointing. However, this doesn’t mean you won’t be accepted by an alternative insurer.

Usually applicants are declined due to being seen as too high-risk. While some things are not within your control, you could consider improving other aspects of your life to help secure an affordable policy, for example:

• Stop smoking
• Lower your alcohol intake (if over 14 units a week)
• Lead a healthier lifestyle (lower BMI if too high)
• Reduce risk by changing your occupation and hobbies (if possible) to avoid dangerous activities

In addition, taking out cover as young as possible and choosing the right policy generally means lower premiums.

Some insurers may have limitations on certain policies for those with pre-existing conditions, like cystic fibrosis. Life insurance companies consider cystic fibrosis as a high-risk condition, which can affect the availability and cost of coverage.

At Reassured, we have a specialist impaired team who specialise in assisting those who have been declined or have complex circumstances.