Have you been refused life insurance because of medical problems, your occupation or hobbies?

Whilst your application might have been declined by standard insurers, there are a few providers who specialise in offering life insurance to those who are considered uninsurable because they pose a higher risk due to a poor medical history, hazarous occupation or pursuits.

As a life insurance broker we are able to obtain underwritten quotations from these specialist insurers that are specific to your situation and we can often speak to the underwriters directly on your behalf. We do not charge any fee's for this service and you are under no obligation to proceed at any stage.

In addition, you may also benefit from our premium discounts where available. As with our standard life insurance service we are often able to apply discounts to your premiums by rebating a proportion of the commission paid to brokers by insurers back into your policy.

Declined Due to Medical Problems?

The specialist insurers we deal with will consider appliactions from people with a wide range of medical problems including:

Cancer
Diabetes
Heart Attack
Kidney Transplant
Multiple Sclerosis
Obesity
Parkisnons Disease

Declined Due to a Hazardous Occupation?

Whilst some occupations can be more dangerous than others, different insurers may rate certain jobs for risk in different ways. On the other hand, some occupations will receive an automatic decline from standard insurers which is where our specialist providers can often help.

Declined Due to Risky Pursuits?

If your favourite hobby or pursuit is stopping you from getting the life insurance you need we can often help.

How to Proceed Without Cost or Obligation

Whilst we cannot guarantee that any application for life cover will be accepted, we will make the most of our relationships with specialist insurers and work on your behalf to try and secure a favourable decision for you.

The first step is to get a quotation that is specific to your circumstances by completing the form below. We will use the information you provide to approach one or more insurers for underwritten quotations where available. You will then receive any quote(s) obtained so you can make an informed decision on whether to proceed to application or walk away.

Please note that this offer does not represent personalised advice and is not a recommendation that any product matches your circumstances. If you should have any doubts please contact an independent financial adviser so that your individual circumstances can be considered.