Dear sirs, I was recently diagnosed with coeliac disease (in the last six months). We’re in the middle of buying a house; from reading online, it looks like I won’t be able to get cover. Is this true? I’d be devastated if it was. Thanks in advance.Rachael
Rachael is correct.
Most insurance companies won’t offer cover within a year of an immune disorder diagnosis.
But we managed to arrange cover for Rachael (she sent the above email a few months back!).
It helped that she had no other health issues and a supportive letter from her consultant.
But it can be a challenge to get life insurance for a new diagnosis of coeliac disease.
Luckily you’ve come to the right place.
We specialise in arranging cover for the more complex life insurance applications.
Yes, most applicants will be able to get the normal price for life insurance with coeliac disease.
If your diagnosis was over 12 months ago and it’s under control, there shouldn’t be any problem.
But if your diagnosis:
you should speak with a specialist life insurance advisor to help you get the best cover.
The best-case scenario is getting the same price as someone without coeliac disease.
Here we assume your condition is under control by diet and there are no complications.
If there are complications, underwriting will decide how much you will pay.
You’ll need to complete a questionnaire. If you give detailed answers, there will be no need for a medical report from your GP.
You’ll get the normal price if your condition is under control with no complications.
Otherwise, it will depend on the severity of the complications.
As long as you are sticking to a gluten-free diet and there are no complications, you’ll get the normal price.
However, if an insurer increases your premium because of coeliac disease, you should look elsewhere.
But if there have been complications, take advice from a life insurance specialist before applying.
I’d be glad to help.
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