- Life cover – Quotes are possible with increased premiums or we may not be able to provide a quote
- Critical Illness and TPD – HSBC Life will either offer standard rate decisions or be unable to provide a quote .
There are some rules that apply across all applicants with raised cholesterol – that would result in HSBC Life not being able to offer Life, Critical Illness or TPD cover at the current time. Such as:
- Outstanding investigations or referrals with a cardiologist or other medical professional
- If they have any problems with your kidneys or eyes; or an abnormal ECG
- If they have associated cardiovascular complications, such as a history of heart attack, angina or stroke – this list is not exhaustive.
This is a general guide and is not a guarantee of acceptance.
|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||Aged 35; non smoker; no outstanding referrals or investigations; past history of raised cholesterol; no current treatment; last cholesterol reading 3.8.||Standard||Standard||Standard|
|2||Aged 29; non smoker; no outstanding referrals or investigations; 1 current medication; last cholesterol reading 4.5.||Standard||Standard||Standard|
|3||Aged 60; non smoker; no outstanding referrals or investigations; 1 current medication; last cholesterol reading slightly raised; review within next 6 months.||+50% loaded||Terms wouldn’t be offered||Terms wouldn’t be offered|
|4||Aged 60; smoker 20 cigarettes per day; no outstanding referrals or investigations; 2 current medications.||Terms wouldn’t be offered||Terms wouldn’t be offered||Terms wouldn’t be offered|