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life insurance for my son - Carers UK Forum

life insurance for my son

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ive tried in vain to get life cover for my disabled son 22yrs old,but so far have drawn a blank because he has no speach or awarness does anyone know of a company who does insure special needs,,,he has epilepsy,learning dificui;ties elhlos danlos syndrome thanks for any help
Hmm, sounds expensive! The actuaries do not like taking on risks unless they can quantify them. By the way, what would you use the cover for - in the sad case that it was ever paid out on your son's death? If for funeral costs It might be cheaper to just save regularly into an ISA.
hi scally yes the money is to be used to insure my son gets the best send off if the worse was to happens,it seems so unfair i can get insurance but my son cant by no fault of his own,it makes me so mad that people say we care but the vunerbel ones are left to fend for themselves
I would speak to a local IFA, if your friends can recommend one even better. IFAs have access to different brokers who specialise in the quirky policies and can often get better terms for people with pre existing conditions.
http://www.pulse-insurance.co.uk/

I used to deal with the above company.
stuart_1509 wrote:hi scally yes the money is to be used to insure my son gets the best send off if the worse was to happens,it seems so unfair i can get insurance but my son cant by no fault of his own,it makes me so mad that people say we care but the vunerbel ones are left to fend for themselves
The point is that Life Assurance is a business, not a charity, and is set up to make a profit, based on a gambling model that needs good information about likely life expectancy for particular conditions.

If the condition or conditions are rare, then it is a high risk: a bit like putting money on an unknown horse to win the Derby.

Now, a good funeral isn't cheap, but you might find that self-insurance is the best bet: rather than pay premiums to an Insurance company, just save the money into a cash ISA or a funeral plan.