|Even if you already have life insurance in place, we may be able to find the same cover for you at a cheaper rate.
We have hundreds of people contact each year becasue they have difficulty obtaining insurance, so you are not alone.
We are specialists in knowing which insurance company is most likely to consider your life insurance application favourably. We have a proven track record in obtaining insurance for people who have had their life insurance refused or their insurance premiums rated.
We can also help if you are looking for critical illness insurance, income protection, keyman insurance, mortgage insurance or travel insurance.
You may think that you are going to struggle to find insurance, or you may already have applied to an insurance company and had your application for life insurance declined, turned down or postponed.
Alternatively you may have applied for life insurance, and the insurer has offered you cover but at a higher premium. They may be going to charge you extra (or have “loaded” your premiums) because of your job, hobby, medical history or a pre-existing medical condition. Similarly you may be struggling to find income protection or critical illness cover.
Each insurance company will have a different view on your medical history, job or hobby. They have clear guidelines, or “underwriting criteria”, against which they judge any life insurance applications they receive.
Some insurers may decline your life insurance application simply because it is not an area that they wish to provide cover for. Other insurers specialise in offering cover where others will not, and will be happy to consider you and may be able to offer you cover.
Whilst we cannot guarantee that we can obtain insurance for you, using a company like ours that has had experience in this particular field will greatly improve your chances.