Family history of motor neuron disease
Family history of motor neuron disease
- Life Cover – HSBC will offer standard rate decisions, increase to the premium or be unable to provide a quote
- Critical Illness Cover & TPD – HSBC will offer standard rate decisions or be unable to provide a quote.
There are some rules that apply across all applicants with a family history of motor neuron disease – that would not result in HSBC being able to offer Life Cover, Critical Illness Cover & TPD at the current time. Such as:
- More than 2 family members diagnosed with motor neuron disease
- Applicant being under the age of 45.
This is a general guide and is not a guarantee of acceptance.
NB: The decision will vary based on the age of when the family history was diagnosed.
| Example | Scenario | Life Cover | Critical Illness Cover | TPD Cover |
|---|---|---|---|---|
| Assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits | ||||
| 1 | Applicant aged 66; 1 family member diagnosed with motor neuron disease at age 57. | Standard | Standard | Standard |
| 2 | Applicant aged 56; 1 family member diagnosed with motor neuron disease at age 52. | +50% loading | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | Applicant aged 46; 1 family member diagnosed with motor neuron disease at age 42. | +100% loading | Terms wouldn’t be offered | Terms wouldn’t be offered |
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