How will life insurers view my benign breast lumps? Fibroadenoma

What is a Fibroadenoma? A fibroadenoma is a very common benign breast lump. Fibroadenomas often develop during puberty and are mostly found in young women but can occur in women of any age. Men can also get fibroadenomas, but this is very rare.* Our client Ms K approached us as she needed life insurance to…

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Is obtaining life insurance possible with a medical history of self-harm and suicide attempts?

Is obtaining life insurance possible with a medical history of self harm and suicide attempts? Our client We were approached by Miss J and Mr O who were cohabiting partners. They needed life insurance to cover the mortgage on their first home together. We advised that the most suitable and cost-effective type of cover was…

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Would Bariatric surgery affect a life insurance premium?

Would Bariatric surgery affect a life insurance premium? Bariatric Surgery Over 6000 bariatric surgeries are performed in the UK each year. Source: NHS Digital Statistics on obesity, physical activity, and diet – England, 2015. It can lead to significant weight loss and help improve many obesity-related conditions, such as type 2 diabetes or high blood pressure. There are…

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Do you suffer from anxiety and a higher than average BMI?

Do you suffer from anxiety and a higher than average BMI? Our Client We were approached by Miss S who was in the process of purchasing a new home. She didn’t have any life cover in place and needed funds to cover the mortgage should she pass away. She had previously come up against difficulty…

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Arranging life cover after recovering from Prostate cancer

Arranging life cover after recovering from Prostate cancer Often people who have suffered from cancer automatically assume that they will be unable to arrange life insurance. Our client We were approached by a 72-year-old client who was hoping to arrange a longer-term life insurance policy.  However, he had been diagnosed with prostate cancer since setting up his…

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Type 1 Diabetes – Is a GP medical report needed to get Life Insurance?

Type 1 Diabetes – Is a GP medical report needed to get Life Insurance? Most Insurers will want to write to your GP for a medical report if you have diabetes – but not in all cases! Our client We were recently approached by a client who was a Type 1 Diabetic. He was diagnosed…

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Can I get Life Insurance with Ulcerative Colitis?

Can I get Life Insurance with Ulcerative Colitis? We contact our clients every 12 months to carry out an annual review.  The main purpose of the call is to review their existing cover to ensure that it still meets their requirements.   Should it become apparent that their circumstances have changed, we can provide timely…

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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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Can I get Life Insurance, Critical Illness or Income Protection With Heart Disease?

Can I get Life Insurance, Critical Illness or Income Protection With Heart Disease? Heart Disease We are increasingly being approached by people who are asking us about whether they will be able to arrange life insurance if they have a history of heart disease. Many of them are telling us that they have already made…

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Severe depression? Can I get life insurance?

Severe depression? Can I get life insurance? If you have been unsuccessful when trying to arrange life cover because you’ve suffered from a history of mental health issues we hope this case study will give you some hope. Our client We were contacted by a client who had been struggling to arrange life insurance cover….

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Life Insurance with a rare medical condition

Life Insurance with a rare medical condition We were contacted by a 39-year-old gentleman, who needed advice on life insurance. He wanted to arrange a Life Insurance policy based on £90,000 of cover over a term of 23 years. He also wanted a Family Income Benefit policy which would provide this family with an income…

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kidneys

Can I get Life Insurance after having Kidney Cancer?

Can I get Life Insurance after having Kidney Cancer? Our client We were recently contacted by a 66-year-old lady, who wanted to arrange a Life Insurance policy to provide long term family protection. During our initial fact find, she told us that she had been diagnosed with Kidney Cancer in 2006. Kidney cancer is also…

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