Life Insurance Advice Please.

[gonaenodaethat]

When I was pregnant with DD1 (now 9) my husband and I took out life insurance and critical illness cover.
Since then he has been diagnosed with Crohn's Disease.
My question is, do we have to let the insurance companies know about this?
I'm worried that if we (God forbid) have to claim that they might use this as a reason not to pay.
I will check the policy. I just wondered if anyone had experience of this and could give me some quick advice.

yes, you do. if you don't tell them and they find out, which they would if he needed to claim, then they definitely wouldn't pay out

Thank you. I'll ring them tomorrow.

Finger woman is wrong
If when you completed the application form you had truthfully disclosed your medical situation, and if your DH was well at the time then there is no issue. What happens subsequently after the life company have accepted the proposal is irrelevant.
You do not have to contact the life company, you might want to contact them to see if you are covered under the crohns illness.
Plenty of people develop medical conditions years after starting the life assurance and they pay out regardless.

but plenty don't. i saw it on watchdog dontcha know!
people being turned down for unrelated things, simp[ly because they had not disclosed other illnesses.
i thought that if you developed an illness you had to inform them, regardless of whether or not you wanted to claim

It depends upon the terms of your policy

The claims were turned down because they did not disclose medical conditions at the time of completing the application form. So when the other medical issues came to light at the time of the claim, they were turned down. I hope that makes sense. (the argument is that if those medical conditions had been known the terms of the life cover may well have been different.)
Once you have started a life insurance policy you and the insurance company have a contract, if anything changes after that date you cannot alter the terms of the contract.
However some insurance policies for example Accident and Sickness cover or mortgage protection which covers your mortgage payments, they are renewable contacts on a yearly basis, again if your health changes then you are to let the insurance company know of any health changes on the renewal date, as they are offering you a new contact on the renewal date. Life insurance policies are very rarely ever set up on this basis.
Hope that clarify things.