When you are deaf, getting advice from an insurance broker or insurer themselves is not always the easiest thing in the world. Deafness and hearing loss is a usual condition and can happen to anyone at any time. It generally happens as you grow older, and can be temporary or permanent. Most of the people in the insurance industry do not know British Sign Language. Documents, lip-reading, instant messaging are all potential, but if British Sign Language is your first language, conceiving insurance advice can be like the insurance industry is not communicating your language.
Deafness life insurance-Things you must know!
All insurance providers have applications they receive from customers obtaining deafness life insurance, and need to manage their level of risk. Having said that, deafness is not life-threatening, hence it is very rare that you will be declined for cover. Like any other insurance application has a level of underwriting questions, similarly, deafness life insurance also have specific questions involved that insurer would want to know about:
- Do you have mixed hearing, partial hearing or full deafness?
- Were you born with this disorder?
- Has your hearing loss developed over time or due to a specific condition?
- Have you undergone any surgery?
Life insurance for those with total or partial deafness, there are chances of getting a policy at standard terms depending on insurers. Deafness caused due to specific medical conditions that might significantly impact upon your life expectancy will need some additional investigation to find the right insurer for you.
If the deafness is caused due to a secondary condition (e.g. tinnitus, acoustic neuroma, etc) the insurance providers will ask some more details about your health. Depending upon the medical condition that causes your deafness, it is likely that your insurance premiums will be higher.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00