Alzheimer’s disease
Family history of Alzheimer’s disease
- Life Cover – HSBC Life will offer standard rate decisions, increase to the premium or be unable to provide a quote
- Critical Illness Cover & TPD – HSBC Life 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 Alzheimer’s disease – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover & TPD at the current time. Such as:
- The family member being aged under 60 for Critical Illness Cover & TPD
- More than 2 family members diagnosed with Alzheimer’s disease.
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 (assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits) | Life Cover | Critical Illness Cover | TPD Cover |
|---|---|---|---|---|
| 1 | 1 family member diagnosed with Alzheimer’s disease at age 62. | Standard | Standard | Standard |
| 2 | 2 family members diagnosed with Alzheimer’s disease at ages 64 & 65. | +50% Loading | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | 2 family members diagnosed with Alzheimer’s disease at ages 55 & 58. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
-
Click to view page: Need an indicative decision?
Our Pre-Sales Underwriting Tool answers common pre-application enquiries and provides an instant, indicative underwriting decision.