Hi there,
My wife and I have been on a tracker mortgage for approx. 9 years, and have had a joint mortgage protection insurance (reducing term cover) with Irish Life for that period. A couple of years after starting the mortgage, my wife was diagnosed with a genetic form of breast cancer. She has since completed her treatment and while not "cured", she's been in remission for a number of years.
Should we have informed Irish Life when she was diagnosed? We scanned our policy last night but couldn't see anything explicitly indicating that we should have.
I'm asking because we are now hoping to transfer our mortgage to another house. We're not sure if that will mean a re-assessment of our existing insurance policy or starting out on a new one (for which it seems likely my wife would be refused cover based on her health history).
Thanks
My wife and I have been on a tracker mortgage for approx. 9 years, and have had a joint mortgage protection insurance (reducing term cover) with Irish Life for that period. A couple of years after starting the mortgage, my wife was diagnosed with a genetic form of breast cancer. She has since completed her treatment and while not "cured", she's been in remission for a number of years.
Should we have informed Irish Life when she was diagnosed? We scanned our policy last night but couldn't see anything explicitly indicating that we should have.
I'm asking because we are now hoping to transfer our mortgage to another house. We're not sure if that will mean a re-assessment of our existing insurance policy or starting out on a new one (for which it seems likely my wife would be refused cover based on her health history).
Thanks
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