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Life insurance/mortgage protection with an long term illness?

jc11 · 2011-02-05 09:32:57

Hi, Am looking into buying if possible!! My partner has a long term illness(liver disease). This does not affect him at all, he's well able to work etc and will be starting treatment in next year or so which will cure it. I'm wondering what the story will be with the insurance that goes along with a mortgage. Would we be…

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05-02-2011 10:32am

#1

jc11

Registered Users Posts: 175 ✭✭

Join Date: May 2009

Posts: 108

Hi,

Am looking into buying if possible!! My partner has a long term illness(liver disease). This does not affect him at all, he's well able to work etc and will be starting treatment in next year or so which will cure it.

I'm wondering what the story will be with the insurance that goes along with a mortgage. Would we be refused because of this or would premiums be sky high??

Any info appreciated

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#2 05-02-2011 11:50am
Del2005

Registered Users Posts: 18,987 ✭✭✭✭

Join Date: January 2005

Posts: 18788

Only way to know for sure is to apply and not lie.

Premiums will be higher, he'll have to go for a medical with the insurers and provide reams of paper work.

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#3 06-02-2011 8:15pm
3DataModem

Registered Users Posts: 3,997 ✭✭✭

Join Date: March 2008

Posts: 3785

His own doc will make a report. He will need to go for a medical. They may load the premium depending on prognosis

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