John Downes

"There are a wide range of underwriting outcomes from standard to decline"

"It can have a major impact for disability cover or benefits"

"Serious Illness policies are most likely to cover some degree of chronic pancreatitis"

"It’s likely that exclusions will be applied in many instances"

"Terms for serious illness and income protection cover are unlikely"

"The underwriting of Alzheimer's disease is relatively straightforward"

"Sarcoidosis can also mimic other conditions, such as cancer"

"The incidence of MND in the UK is about two people per 100,000"

"It is the only cardiovascular disorder in the UK which is growing in prevalence."

'MG is a relapsing and remitting condition with variable severity and remission more likely in the early years'