February 12, 2019

 

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What happens if I am declined for life insurance because of my weight?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 

Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

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Our Client

We were contacted by Mr & Mrs S, as they had been refused life insurance after applying to two different companies via a well- known comparison site.

Mr S, a 35 year old smoker and Mrs S, a 37 year old non-smoker were in the process of moving house.  They required a joint life insurance policy to cover the mortgage of £71,000 over a term of 24 years.

They applied to the company offering the lowest premium of £11.69 a month but were refused as soon as they had completed the on-line questionnaire.  They applied to the second cheapest insurance company offering a premium of £12.11 a month.  This company assessed their application over a 3 day period but then also confirmed that they would not be offering the life insurance.

Mr S contacted us as both companies told him that he had been refused life insurance due to his height/weight and medical history.

Mr S is 6 foot tall and weighs 23 stone. He is mildly asthmatic and a smoker.

We contacted all insurance providers and found two companies who would offer the insurance, albeit with an increased premium.  We recommended the company expected to provide the best price and they asked that Mr S, have a nurse medical.  A nurse was instructed to visit Mr S at his home, at a convenient time, to complete a basic medical.  This takes about 30 minutes and is paid by the insurance company, regardless of whether the client proceeds with the final policy.

The outcome

Mr & Mrs Smith were extremely relieved to obtain the mortgage cover; a joint decreasing term life insurance policy with a sum assured of £71,000 over a term of 24 years for a monthly premium of £20.64. It pays to speak with an expert adviser.

Furthermore, the insurance company offers additional benefits such as independent medical advice, counselling and even therapies such as physiotherapy should these ever be required in the future.  There is no additional cost for these benefits.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

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Next steps

Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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