There are a number of factors that can have an affect on the insurance options available. These can include family medical history, certain medical conditions and occupations that expose the life and well-being of an individual to an increased amount of risk.
The affects can vary and could result in a price increase, ‘exclusions’, a reduction in the quality of the cover or cover could even be declined.
Different insurers see things differently.
Where one insurance company will increase the price or reduce the level of cover another may not.
Having the time to research every insurer is not a luxury many of us have so using the services of an experienced adviser will save time.
We already know which insurance companies are more suitable for a variety of different situations and we also have a team of researchers at our disposal.
We will gather the necessary facts from you, research the options and recommend the most suitable solution tailored for your particular circumstances, requirements and budget.
Even if you’ve been turned down elsewhere, we still may be able to help.
Some insurers decline cover simply because they don’t have enough information.
Using an adviser, to make sure the insurer has as much detailed information as they need, can improve the chances of being accepted.
We have been helping people with strange and unusual occupations insure against death, illness and loss of income for many years and we leave no stone unturned when investigating suitable solutions.
Need a second opinion?
If you think you might already be paying more than you need to we can confirm that for you and potentially save you money.
Get in touch with one of our advisers today to discuss the options available to you.