I was recently diagnosed with coeliac disease (in the last 6 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 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 getting life insurance with coeliac disease.
Luckily you’ve come to the right place.
We specialise in arranging cover for the more difficult 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.
If your 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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