June 22, 2018

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

Insurance policies evolve and improve all the time, to include more conditions or introduce better terms. It is always worthwhile using an expert Adviser who will keep abreast of all the policies available and their improvements in the marketplace. We keep in contact with our clients throughout the year and in our client’s annual statements often ask them about any changes in their circumstances to make sure that their policies are still fit for purpose.

We also ask if they would be interested in us re-looking at their policies to recommend  better, more comprehensive ones that might now be available. We use the most up to date software. This allows us to search the market in seconds, not just for price but also the most comprehensive, well rounded policies. We have access to insurers that are not available on comparison websites or available to the public directly. 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

Mr O. contacted us, as he wanted to get his policy written into Trust – a no obligation service that we offer at Future Proof. He originally began his current Critical Illness and Term Insurance policy in 2011. This was prior to industry changes in 2015, making newer Critical Illness policies more enhanced with many more conditions covered.

Mr O. has had Asthma since childhood and his current provider taking this into consideration are charging £21.49 monthly premium, for a sum assured of £46,903.

We looked at the newer policies available in the market and found an insurer which for sum assured of £47,000 are charging a monthly premium of £22.91. So, for an extra £1.42 a month less than 5p per day he is now covered for an additional 43 conditions!

My client is delighted about this additional peace of mind and emailed to say “thanks for getting this policy for me and getting everything sorted, made my life a hell of a lot easier!”

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.

Trusts are not regulated by the Financial Conduct Authority.

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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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