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At Future Proof, we have experience working with thousands of clients. Many have pre-existing medical conditions, high-risk occupations and partake in dangerous past-times.

 
We write case studies about their individual journeys to get protection insurance and the outcomes. We hope to instil in others who are in similar circumstances, a sense of understanding, hope and trust in our experience
 

Many of our clients find us from the case studies that we post on Google and other search engines. 

Declined life insurance because of a benign breast lump? Fibroadenoma

Declined life insurance because of a benign breast lump? Fibroadenoma Our Client Ms M found Future Proof from one of the many medical blogs we post online. Her and her partner were due to move to a new house and they both wanted life insurance to cover their mortgage should either of them pass away….

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Thyroid gland

Critical Illness Cover With an over Active Thyroid

Critical Illness Cover With an Overactive Thyroid Our client We were contacted by Mrs C, a 32-year-old non-smoker, as she was experiencing problems arranging life and critical illness cover. She required a policy that would ensure funds would be available to repay her mortgage should she suffer a serious medical condition, or pass away during…

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Red Arc logo

Royal London Added Benefit – Helping Hand by Red Arc in Action

Royal London Added Benefit – Helping Hand by Red Arc in Action Our Client We were approached by Mr C, a 45-year-old non-smoker who wanted to arrange some life insurance. He needed the cover to provide financial protection for his family should he pass away before reaching retirement age. At the time of his application,…

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Life Insurance

Can I get Life and Critical Illness Cover after recovering from a coma?

Can I get Life and Critical Illness Cover after recovering from a coma? Our client We were approached by Mr R, a 24-year-old gentleman who was in the process of buying his first home. He had unfortunately been in a coma when he was previously serving in the army. He wanted a life and critical…

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paper family under umbrella

Securing Life Insurance with raised Cholesterol and Haematospermia

Securing Life Insurance with raised Cholesterol and Haematospermia Our client Our client was referred to us by his pension adviser with a view to providing him with advice on Life Insurance.  This particular client did not have any existing cover in place and wanted to protect his home and family. Mr A wanted a Life Insurance policy…

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Giving up smoking is good for your wallet

Giving up smoking is good for your wallet! Our Client We were contacted by Mr T (a 51-year-old business manager) as he wanted to review his life insurance.  He had given up smoking two years previously and had read that he could reduce the cost of his life insurance, or obtain a more comprehensive cover….

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7 families

7 Families campaign. Meet Daniel Pinder. Staying independent despite his Multiple Sclerosis

7 Families campaign. Meet Daniel Pinder. Staying independent despite his Multiple Sclerosis About 7 Families 7 families is a charity led campaign to provide a tax-free income for one year to seven people who have lost their income due to serious or long-term illness or disability. The objective of the campaign was to highlight the…

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7 Families – Meet the Thornley Family and watch their true story

7 Families – Meet the Thornley Family and watch their true story In 2013 Nikki’s husband turned 40, and they decided to head off around Europe child-free for a couple of weeks on two motorbikes to celebrate. Unfortunately, they never made it out of Scotland.  Nikki was paralysed in a motorcycle accident that has left…

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Lung cancer

Arranging life insurance after surviving lung cancer

Arranging life insurance after surviving lung cancer Our client We were recently approached by a 42-year-old lady who was hoping to arrange some life insurance to protect her mortgage. The outstanding balance of her mortgage was £149,000, and the remaining term was 15 years. Our client had previously looked into arranging some mortgage cover but had either…

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Do I really need income protection? Is it important?- 7 Families

Each year one million people in the UK find themselves unable to work due to illness or injury, according to the Money Advice Service. They thought it would never happen to them… Income Protection is there to do one thing only – provide a replacement income if you fall ill or suffer an injury.  Below…

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Rheumatoid arthritis and a life insurance application

Rheumatoid arthritis and a life insurance application Our client Mr M, a 52-year-old non-smoker, approached us looking for life insurance which would offer financial security and a legacy to his son. Unfortunately,  he had been diagnosed with Rheumatoid Arthritis 7 years previously, and his condition was active. He had previously been prescribed Methotrexate but suffered severe…

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