Malignant Diseases Cannot Prevent You from Buying Life Insurance

www.specialriskmanagers.com.au

Chronic health issues can augment your troubles in many ways. At the most basic level, you need to face facts about your condition. You need to accept that you will not be able to return to optimal health or peak fitness. Then, you need to maintain regular habits to ensure that you stay on top of your illness. The slightest deviation could be deadly. You need to take your medicines regularly. Further, you need to accept the medicine along with its side effects. Regular medication also represents higher medical expenses. Thus, your chronic condition has a financial implication as well. As if this were not enough, there is one more distressing factor to consider. Your serious health condition makes life insurance companies look askance at you. Your condition remains sufficient reason for them to classify you as being “a high risk” or “uninsurable”. Suffering from serious health issues can be an uphill task indeed.

Prior to the entry of Special Risk Managers (Sydney, NSW), finding life insurance as a high-risk individual was difficult. However, we realised that people suffering from serious medical conditions need life insurance too. In fact, they need life insurance more than “healthy” individuals. Hence, we set about providing a specialised service. Under the purview of this service, we reached an exclusive arrangement with a like-minded international reinsurance company. Our joint efforts have successfully provided life cover to people suffering from conditions like:

• Cancer, strokes and heart attacks • Diabetes • Multiple Sclerosis • Epilepsy • Crohn’s Disease • Depression and other illnesses of the mind • Alcohol or drug abuse • Liver or kidney diseases

Several life insurance companies feel that people with chronic or serious conditions can be hard to insure. In their view, the quantum of risk outweighs the positives. Hence, they seldom accept the insurance of these individuals. However, some conditions we provide cover for include:

• Heart Murmurs: These denote an additional or unusual sound during a heartbeat. In most cases, heart murmurs will be harmless. However, if any other symptoms of heart disease are present, these could be pointers to something more severe. For example, abnormal heart murmurs in children could denote some congenital defects. In adults, ageing, infections or other diseases could result in this condition. If you need murmur life insurance, we can help you.

• Bipolar Disorders: Getting bipolar life insurance could be difficult. Since people with this disorder demonstrate high risks of committing suicide, insurers do not like covering this risk. However, since the effect of this disorder can vary, we provide individuals with bipolar life insurance.

• Bowel Conditions: This covers conditions like Crohn’s Disease, Colitis and Irritable Bowel Syndrome (IBS). Bowel life insurance can vary depending on the ailment. For those suffering from Crohn’s Disease and Colitis, the key factor lies in the appearance of symptoms. If the symptoms appeared within the past year, insurers would term this as high risk. Insurers would provide bowel life insurance for those suffering from IBS in most cases.

• Melanoma: This is a serious form of skin cancer. Hence, getting melanoma life insurance remains very difficult. However, factors like exposure to ultraviolet rays, moles, family history etc., have a bearing on this disorder. Other types of insurance we provide include overweight life insurance and coronary life insurance. Hence, do not get discouraged if you receive the “high risk” classification from any life insurance company. With our expertise in the domain, we remain confident about giving you the cover you need.

Special Risk Managers have been active in the life insurance industry for the past sixty years. Therefore, it comes as no surprise that we have an excellent reputation for meeting our commitments. Life insurance remains a need for everyone with dependants. However, most insurance companies remain risk averse when it comes to insuring people with serious health conditions. That, thankfully, is not something you will face with us. We would like to be your partners in this journey called life. Our sole aim lies in alleviating some of your worries, especially when it comes to your life insurance needs. We believe that where other insurers see risks, we can find cover for you. Give us a call at 1300 66 53 56 and see the difference.

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