Risk Clinic: Protecting those with pre-existing conditions

Paul Sandilands, Pulse This is a difficult case. The applicant seeking life cover has three known illnesses. None is necessarily an underwriting impossibility, but the combination creates difficulties. The availability of cover will depend on obtaining detailed information on each condition. Crohn’s disease is not in itself life threatening, but it is without cure. It relates to digestion. Patients can have problems absorbing nutrients and treatment in relation to other problematic conditions. Steroids can stabilise the condition. There can be long periods of remission, without pr...