Life Insurance with Iron Deficiency Anaemia

Life Insurance

We acknowledge that being diagnosed with iron deficiency anaemia can be concerning. Understanding the reason behind your feelings can bring a sense of relief.

During your discussion with our advisers, we will attentively listen to your diagnosis and your insurance goals.

We can assist in finding the appropriate insurance for your needs. It would be beneficial for us if you have this information readily available.

1. When were you diagnosed with iron deficiency anaemia?
2. Are you now fully recovered?
3. Could the anaemia have been triggered by another underlying condition or medication?
4. What medications or treatments have you needed?

Individuals with iron deficiency anaemia may qualify for life insurance at regular rates if their condition is effectively managed with iron supplements or dietary changes.

It is crucial to provide clear responses to all questions asked. If your anaemia is recent or your treatment hasn’t brought your iron levels back to normal, the insurer may request a report from your GP to confirm your health status. This can only be done with your explicit permission, and the costs are covered by the insurer.

Critical Illness

Critical illness cover may be available at normal terms for individuals who have had iron deficiency anaemia. It will depend on whether your symptoms are well controlled or if you have fully recovered.

Potential long-term symptoms resulting from iron deficiency anemia or other illnesses should be included in your critical illness application.

Income Protection

Income protection for individuals with iron deficiency anaemia will be evaluated based on the time taken off work due to the condition.

Your income protection application may be accepted under standard terms. This is probable with effective anaemia control using medication and/or dietary management.

Some income protection policies may have exclusions for claims related to anaemia, making it crucial to carefully review the terms and conditions. Alternatively, you can have one of our advisers handle all of that for you.