Download Thyroid - Scottish Widows

THYROID DISORDERS
UNDERWRITING GUIDE
Document Info
Notes
Form
54807
Job ID
054981
PROJE
Size
A4
Pages
3
Colour
BLACK
Version
DEC 15
Operator Info
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THYROID DISORDERS – DEFINITION
The thyroid gland is the biggest gland in the neck. The sole function of the thyroid is to make thyroid hormones.
The hormones have an effect on nearly all tissues of the body where it increases cell activity. This means the sole
function of the thyroid is to regulate the body’s metabolism.
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COMPAR
There are two main types :
Hypothyroidism – means a reduced level of thyroid hormone in the body. This can cause various symptoms, the most common
being: tiredness, weight gain, constipation, aches, dry skin, lifeless hair and feeling cold. Treatment is usually easy by taking a
tablet each day to replace the missing hormone. Treatment usually works well and symptoms usually go.
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Hyperthyroidism – means a raised level of thyroid hormone for which there are various causes. This can cause various
symptoms, the most common being: restlessness, tremor, weight loss, eye problems and palpitations. Treatment is usually
effective. Treatment options to reduce the hormone level include: medicines, radioiodine and surgery. Long-term follow-up is
important, even after successful treatment.
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WHAT INFORMATION SHOULD MY CLIENT PROVIDE WHEN APPLYING?
• Has this been fully investigated and diagnosis confirmed
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• Any underlying cause
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• Associated complications
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• Treatment
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• Whether the condition is well controlled
FACTS
Hypothyroidism is more common in women and affects 15 in every 1,000 women and one in 1,000 men in the UK.
Hypothyroidism also tends to run in families.
Hyperthyroidism affects women 10 times more often than men, and is most common in people aged 20-40.
http://www.webmd.boots.com/women/guide/thyroid-symptoms
BRAND CHECKED (INITIAL
OPERATOR CHECKED Initi
Date
POTENTIAL UNDERWRITING OUTCOMES:
Below is a table which gives an indication of underwriting outcomes for thyroid disclosures.
Life Cover
Critical Illness Cover
Total Permanent
Disability
Hypothyroidism (underactive / low thyroid
levels). Well controlled no associated
complications.
Ordinary Rates
Ordinary Rates
Ordinary Rates
Hyperthyroidism (overactive / high thyroid
levels). Well controlled no associated
complications.
Ordinary Rates
Ordinary Rates
Ordinary Rates
Thyroid eye disease
Ordinary Rates
Ordinary Rates with
Blindness exclusion
Ordinary Rates with
Blindness exclusion
Uncontrolled Thyroid disorders
Postpone until
stabilised for
3 months then
Ordinary Rates
Postpone until
stabilised for 3
months then rate as
above
Postpone until
stabilised for
3 months then
Ordinary Rates
KEY POINTS:
We are unable to consider terms within the first 3 months of commencing treatment.
CASE STUDY 1
The following case study is based on questions posed by our online quote and apply system if the customer
disclosed that they had an underactive thyroid (hypothyroidism).
Have you had full investigations and had the diagnosis
confirmed?
Yes
Is your thyroid condition related to a thyroid nodule or
toxic or unexplained goitre?
Yes
Have you had investigations which have confirmed the
condition to be simple or benign (and cancer ruled out)?
Yes
When did your treatment start?
Over 3 months ago
Is the condition considered by your specialist or GP to be
well controlled with thyroid function now normal?
Yes
Based on the customer responses to these questions we would provide an instant decision of:Life Cover =
Standard Rates
Critical Illness Cover =
Standard Rates
Total Permanent Disability (TPD) =
Standard Rates
Premium Protection (PP) = Standard Rates
CASE STUDY 2
The following case study is based on questions posed by our online quote and apply system if the customer
disclosed that they had an overactive thyroid (hyperthyroidism).
When did you begin to suffer with your condition?
Over 6 months ago
Have you had full investigations and had the diagnosis
confirmed?
Yes
Has your treatment started in the last 3 months or are you
waiting for surgical treatment?
No
Is the condition considered by your specialist or GP to be
well controlled with thyroid function now normal?
Yes
Has your condition ever been diagnosed as Thyroid eye
disease?
No
Are you still having drug treatment for this condition?
Yes
Based on the customer responses to these questions we would provide an instant decision of:Life Cover =
Standard Rates
Critical Illness Cover =
Standard Rates
Total Permanent Disability (TPD) =
Standard Rates
Premium Protection (PP) = A small loading of +50%
IMPORTANT
Please remember that if a client does not answer any questions honestly and accurately, it will mean that a claim will
be declined and the policy cancelled.
Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.
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