With my last job I had life insurance, but when I decided to move to Opera I had to get my own insurance so that my mortgage would be paid off if I shuffle off this mortal coil, reducing the burden on my wife.
So I rang the big brokers, moneysupermarket.com in March this year. A few questions about age, life-style etc and the guy on the phone told me that for a 41 year old non-smoker it should cost me about £50 a month. Then he asked the question “do you have any neurological conditions such as multiple sclerosis?”. On my affirmative reply, it was practically as if klaxons started sounding in the call centre.
So in May, a special nurse who does no nursing came to my door to extract some blood from me in order that Legal and General might learn just how risky I am. “You’ll hear from us soon”, said the lady who does nothing but take lepers’ blood.
But I didn’t. On chasing up money supermarket at the end of June (four months after my application), I was told to write a letter to Legal and General telling them where I will travel to for work and pleasure. No-one actually bothered to contact me to ask me for such a letter; presumably most people with MS develop compensatory telepathic powers, so it looks like I’ve missed out there as well.
Today they called to tell me good news: they will insure my life. Bad news: there is 100% loading on the premium even though MS is very unlikely to kill me before my mortgage is paid off.
As well as paying double, they will not give me critical illnes cover (that’s where you get the money on diagnosis of a terminal illness rather than when your toes curl up, so you can have a massive piss-up before you croak). So if I get cancer (which is of course nothing to do with MS), I don’t get a pay out. If you don’t have MS, but are diagnosed with liver cancer/ brain tumour, you do get a payout. This doesn’t seem fair to me; I don’t see a link between MS and cancer, AIDS and other terminal illnesses.
Am I an isolated case? Have you had any discriminatory treatment by the insurance industry because of a disability? (You can write to me privately at “bruce” this domain name if you prefer).