Hi everyone, Alan is back with me and this time we are focusing on coeliac disease. A lot of people think of gluten when they hear coeliac disease and have a feeling that all it means is don’t eat bread, pasta, etc. But, it can be much more than that when it comes to underwriting.

A lot of the time coeliac disease is not a concern to insurers looking at life insurance, critical illness cover and income protection. However there are quite a few things you should check with your client about the condition, before you assume that their insurance applications will be accepted at standard terms.

The key takeaways:

• Approximately 1 in every 100 people are coeliac and it is estimated that around 500,000 people are undiagnosed in the UK
• Whilst it is not common, coeliac disease can increase the risk of other medical conditions such as bowel cancer
• Three case studies of arranging protection insurance for people living with coeliac disease

Next time I am going to be focusing upon critical illness cover being written into Trust. There are some specific technicalities at the point of the claim that are worth knowing, so that you can properly advise your clients about placing the cover into Trust or not.

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors NextGen Planners.