John Downes

"AF is a reasonably frequent disclosure on life assurance applications"

"MS is a condition underwriters will see fairly often, and it does present some challenges"

"The shorter the period since stabilisation, the more severe will be likely terms offered"

"CJD doesn’t represent much of a challenge to an underwriter"

Serious illness and disability covers are unlikely to be offered

"It occurs at any age, affecting women significantly more than men"

"The mortality rate for PV can be as much 6%"

"Diagnosis of PH is not always straightforward"

"Often excess alcohol consumption is only discovered when a claim is made"

"There is no cure for GPA"