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Death leaves a heartache no one can heal,
love leaves a memory no one can steal.

Death leaves a heartache no one can heal, love leaves a memory no one can steal.

Impaired Lives Insurance

DIABETES…OVER-WEIGHT…RAISED BLOOD PRESSURE / CHOLESTEROL… SMOKING AND ASTHMATIC…. FAMILY HISTORY OF HEART DISEASE OR CANCER…SEVERE MENTAL HEALTH ISSUES…PARALYSIS…NEUROLOGICAL DISORDERS…PAST CANCERS…SEVERE MIGRAINES…SEVERE STOMACH ISSUES…these are just a few illnesses that you may have been told prohibit you from getting life / critical illness or other types of insurances.  Ironically, it is the people who have these conditions that are more likely to claim on these types of insurance policies.

Throughout our time in this industry, we have come across several people who have been incorrectly advised by a Financial Adviser “due to your health issues we were unable to get you your insurance policy”.  There is no further explanation given as to why?  This is where The Insurance Helpline is unique – we will always answer the WHY…

Each Insurer has their own ‘underwriting guidelines’ which determine the amount of risk they will take on for each customer.  Therefore, each Insurer could potentially give the same customer a different decision for their insurance policy based on their current health issues (medical disclosures).  This is where the work comes in and at The Insurance Helpline having access to the Whole of the Market for Insurers and knowing our medical illnesses (due to our medical background) and knowing the underwriting guidelines for each insurer we can GET YOU THE INSURANCE POLICY YOU NEED!  If we cannot then we will explain why and in all cases be able to tell you if there is potential for a policy in the future.

Each person should have the knowledge of their own health and the risk this may pose to an insurer.  This is what we strive to do to allow you the customer complete understanding about the Insurer and our advice.  We treat every customer conversation with complete confidentiality.

If you have struggled to get insurance or you would like insurance but have medical issues that you think may affect you from this, then we are the advisers to help you!

 

Life Insurance

Policies that will pay out to your family in the unfortunate event of your death.
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Critical Illness

Insurance polcies that will pay-out if you suffer from a named and defined illness.
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Income Protection

Weekly or monthly payments if you are unable to work due to an accident or injury.
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Impaired Lives Insurance

For people who have or have had health issues that make it difficult to get insurance.
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Funeral Plans

A pre-paid plan that will ensure that your desired funeral wishes are carried out.
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Mortgages & Remortgages

Our whole of market approach boasts a 100% success rate for mortgages & remortgages.
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Trusts & Taxes

Ensure your insurance policies avoid delay paying out in event of death & tax issues.
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Will Writing & POA

Our expert, in-house, wills adviser is registered with The Society of Will Writers.
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Home Insurance

We recommend insurers whose claims statistics have been rated the best in the UK.
> Read more

Business Insurance

From butchers to accountants, we can advise on all your business insurance needs.
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Insurance Claims

Making an insurance claim can be daunting. We're here to help you at every stage.
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Other Services

If we don't do something we'll to point you in the right direction, free of charge.
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Why Choose Us?


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MARKET COVERAGE

HAPPY CLIENTS

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CLIENT FOCUSED

What Our Clients Say

Mike Stoddart

Letting Agent


Great service. Withoubt doubt the best, clearest and friendliest financial I’ve ever received. I cannot say enough good things about The Insurance Helpline.

CONTACT US
t: 0141 248 9787
e: questions@theinsurancehelpline.org.uk
w: www.theinsurancehelpline.org.uk

WRITE TO US
54a Balshagray Drive
Glasgow
G11 7DA

CONTACT US
t: 0141 248 9787
e: questions@theinsurancehelpline.org.uk
w: www.theinsurancehelpline.org.uk

WRITE TO US
54a Balshagray Drive
Glasgow
G11 7DA