What are my chances of getting mortgage cover with endometriosis?

Excellent.Endometriosis is not life-threatening so you should be able to get the same price that everyone else pays.i.e. the insurer shouldn’t add a loading to the price of your policy

What questions will the insurance company ask?

When underwriting an application for life insurance with endometriosis, the insurance company will request the following information:When were you diagnosed with endometriosis?How severe is your endometriosis? (describe your symptoms)Have you had surgery? (any complications?)Are you currently taking medication for endometriosis?Do you go for regular checkups with your gynaecologist?Have any of your family contracted cancer of the uterus or ovaries?Click here to complete a gynaecological questionnaire and I can speak with my underwriters about your case anonymously.

Will I need to do a medical?

It’s very unlikely.There’s a small chance the insurance company will write to your GP for a medical report.Here’s a handy chart explaining how the insurers decide whether to offer you cover .

Where can I get a quote for life insurance with endometriosis?

We deal with all the life insurance companies in Ireland.Feel free to compare life insurance and mortgage protection quotes here.

Is there anything else I need to know?

You can make the life insurance application process go really smoothly by giving as much detail as possible when completing your application form. Also, use a broker who deals with all 5 life insurance companies:Zurich LifeRoyal LondonNew IrelandIrish LifeAvivaThis will give you the best chance of getting the lowest price with the least amount of hassle

Medical Issues & Life Insurance Archives

Life Insurance with Endometriosis

Anxious that your endometriosis will stop you getting life insurance?

Don't worry.

We've arranged countless policies for our clients with endometriosis.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 28 2024 3 min read Medical Issues & Life Insurance

Life Insurance with High Blood Pressure in 2024

You don't smoke, you're in good shape, exercise regularly, eat plenty of greens and you still suffer from high blood pressure or hypertension.

It doesn't seem fair.

But if you have been diagnosed with hypertension, you can count yourself lucky in a weird way.

Why?

Because you can do something about it.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 12 2024 3 min read Medical Issues & Life Insurance

Getting Life Insurance with Haemochromatosis

Haemochromatosis is an iron overload disorder. It is a genetic condition that causes people to absorb excessive amounts of dietary iron.

If your ferritn and iron levels are in the normal range, you should have no issues getting mortgage protection, life insurance or incoem protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 11 2024 Medical Issues & Life Insurance

Do you pay More for Life Insurance if You’re Coeliac?

Getting life insurance as a coeliac is fairly straightforward.

The only issues arise is where there have been complications or if your disgnosis is very recent.

Here's my guide to getting life insurance as a coeliac.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

October 22 2024 3 min read Medical Issues & Life Insurance

Life Insurance after a Brain Tumour 2024

When I first started this job, I thought it was impossible to get cover after a brain tumour.

I was wrong.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

October 10 2024 5 min read Medical Issues & Life Insurance

Can You Get Life Insurance with a Breast Lump / Cyst?

Breast cysts are one of the most common female conditions we encounter.

If the cyst or lump is benign, you have nothing to worry about as long as you apply to the correct insurer.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

September 26 2024 3 min read Medical Issues & Life Insurance

Overweight for Life Insurance or Mortgage Protection in 2024?

how BMI affects life insurance text on image of healthy food bowl

Worried you're overweight for life insurance?

You've come to the right place.

We've helped get people cover who had been refused elsewhere.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

September 12 2024 4 min read Medical Issues & Life Insurance

Life Insurance with Sleep Apnoea

Your chances of getting cover if you have sleep apnoea depends on the severity.

If it's mild, you'll get the normal price.

If moderate, you will pay more.

If it's severe, some insurers will decline your application.

Make sure you apply to the most understanding insurer.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

September 6 2024 6 min read Medical Issues & Life Insurance

Life Insurance and Weight Loss Surgery

Bariatric surgery includes a variety of procedures for people who are unable to achieve satisfactory weight loss through diet and exercise alone.

The surgery reduces the stomach size making you feel fuller after small amounts of food.

Generally, the insurers postpone offering cover until 6 months after surgery.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

September 5 2024 Medical Issues & Life Insurance

Getting Life Insurance with an Eating Disorder

You can get life insurance if you've suffered from an eating disorder like anorexia or bulimia in the past.

If you're currently experiencing symptoms, the insurer will make a decision based on your medical report.

We can help you find the most sympathetic insurer for your condition.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

September 4 2024 4 min read Medical Issues & Life Insurance