Pre-Existing Health Conditions

People with pre-existing health conditions such as Raised Blood Pressure / Diabetes / Raised Cholesterol can often find it difficult and expensive to get life insurance / critical illness / income protection.

Also, people are of the mis-conception that if they have a had a ‘serious’ health condition in the past, such as Cancer or Heart Attack or Stroke. then they will not be able get life insurance, but this is not always the case.

We have come across several people over the years who have been incorrectly advised by an insurance adviser and have been told that “due to your health condition you are unable to get a life insurance policy”, but they are never told a specific reason or given exact details as to why.  And more importantly the adviser will not try with every insurer, they usually try with one insurer and then give that decision to the customer.  All insurers have different medical underwriting rules and guidelines and even though one insurer might decline you or apply a price increase another insurer could easily give a more favourable decision.

How we source the right policy for you

If you have current or previous health conditions that could impact your ability to get a life insurance, then we will contact and speak to all of the insurers and ‘run your health situation by them’ to see what decision they would give.  This is called pre-underwriting and it is much like pre-applying for a credit card, so that you can get a decision before actually applying.

We will do all of this work on your behalf and come back to you with the best decision, and if needs be we will ask you to obtain your medical records so that we can ensure we get the most accurate decision, and we will do all of this work FREE OF CHARGE.