Underwriting implications

When underwriting this condition, the underwriters have to assess the extent and severity of the disability and include any other complications such as epilepsy or mental impairment. In all cases, medical evidence should be obtained in the form of a GP report. From this evidence, it should be possible to obtain full details. Life cover can, in some cases, be offered at standard rates, and would apply to clients with the mildest form of cerebral palsy - whereby, for example, the sufferer walks unaided and is independent. However, for patients with severe symptoms such as mental retardation...