Parkinson’s Disease Life Insurance
Parkinson’s Disease Life Insurance
If you’ve been diagnosed with Parkinson’s Disease and are looking to secure Life Insurance, we’re here to help. Having specialised helping clients with pre-existing medical conditions secure Life Insurance for over a decade, Your Life Protected are able to offer expert advice on the best available options in the UK market. If you have Parkinson’s, securing cover may be more difficult than normal and we’ve put together some information to explain why this may be the case:
What is Parkinson’s Disease?
Parkinson’s disease is a progressive neurological disorder that affects movement. It is caused by the degeneration of dopamine-producing neurons in the brain. Dopamine is a chemical that transmits signals between the neurons that control movement. As the disease progresses, individuals with Parkinson’s experience tremors, stiffness, slow movement, and difficulty with balance and coordination. Parkinson’s disease can also cause cognitive and behavioural changes, such as depression, anxiety, and sleep disorders.
The exact cause of Parkinson’s disease is not known, but it is believed to be a combination of genetic and environmental factors. There is no cure for Parkinson’s disease, but medications and therapies can help manage symptoms and improve quality of life.
In addition to medications, there are also several non-pharmacological therapies that can be helpful for individuals with Parkinson’s disease. Physical therapy can help to improve mobility and reduce stiffness. Occupational therapy can help individuals with Parkinson’s disease to manage daily activities. Speech therapy can help to improve communication and swallowing. Additionally, exercise has been shown to be beneficial for individuals with Parkinson’s disease, as it can help to improve balance, flexibility, and overall physical fitness.
Securing Life Insurance with Parkinson’s
If you suffer with Parkinson’s and are looking to secure Life Insurance you may have thought this impossible, though in many cases cover is available, though it is very likely you will pay higher premiums because of the additional risks associated with the condition.
Because Parkinson’s disease can have a significant impact on an individual’s life and can affect their ability to perform everyday tasks every Life Insurance provider will look in depth at your diagnosis before deciding if they are willing to offer cover. the initial questions you will be asked are:
- When were you diagnosed?
- What medication you take?
- Are you restricted with daily activities?
- Do you experience any complications? E.g., Difficulty swallowing, Bladder Problems, Depression etc…
- Do you require help from carers?
- What symptoms you experience?
Your Life Protected is a specialist Life Insurance broker who are experts when it comes to securing cover for individuals with Parkinson’s (along with many other conditions). If you are looking to take out Life Insurance, or would like to see how much a policy may cost, get in touch with one of our experts who will be able to assess your situation and advise you on the best available options.
