When an underwriter is presented with an application for life assurance from someone with an existin...
When an underwriter is presented with an application for life assurance from someone with an existing medical condition, their aim is to work out whether the illness or disability will have an effect on the applicant's lifespan.
Spina bifida is a congenital malformation of the arches of the spine, leaving a gap through which the spinal cord and/or its membranes (meninges) may protrude. Although congenital, it is not always immediately apparent at birth.
There are two types of spina bifida and the underwriter's view will depend on which type the applicant has.
Spina bifida occulta is the least severe and the most common, resulting in only a small gap in the spine and no displacement of the spinal cord or meninges. This type is more likely to be undetected for several years and may come to light only after investigations for say, back pain.
Spina bifida cystica is caused by a much larger gap and the spinal cord or meninges protrudes through this gap. It can lead to varying degrees of paralysis of the lower limbs and loss of bladder control. Hydrocephalus is also a common complication.
Applications, from someone with spina bifida occulta who is suffering no disability, can usually be accepted on standard terms for all classes of business. In cases of spina bifida cystica, corrective surgery is usually given as soon as possible after birth. This procedure often gives satisfactory results. Where there are no residual complications applications for life cover, critical illness and disability cover would be acceptable.
If there are ongoing complications then a life cover application would be subject to an extra premium or even declined. Applications for CI or disability insurance would also probably be declined.
