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| There are occasions when the type of insurance you require just isn’t available off the shelf. All is not lost ......... as in numerous situations we are able to obtain a quote that is based exactly on you and your circumstances.
Rather than running the risk of not having any cover at all, we will work with you to find a policy that gives you what you want.
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| The insurance policies offered by the UK’s mainstream insurers are designed to meet the needs of the vast majority of the population. However if someone comes along who requires cover for a very high sum, or to protect a key player in the business on overseas business etc, the mainstream insurers will decline the business, even if it is considered a good risk. This is simply because they are not set up to deal with the unusual.
We have built up relationships with syndicates at Lloyd’s of London whose business is dealing with cases exactly like this.
In such circumstances we are able to discuss your situation with the underwriters and ensure they understand the issues facing you and the things you want to protect. They will then offer you terms which you can accept or decline as you see fit.
Some of the most common reasons for requiring a bespoke insurance policy are as follows :
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To cover UK nationals working abroad |
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To cover risk while an individual works on a specific high risk project |
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To provide cover when a mainstream life insurance company postpones cover |
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To cover employees working in politically unstable areas |
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To protect “New Wealth” while sophisticated mainstream policies are put in place |
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To top up a death in service benefit above a group scheme limit for a key executive or employee |
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| And many, many more.
Whatever your insurance requirements are, please talk to us on 08450 55 65 95
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| By their very nature these are bespoke policies, therefore terms and conditions will vary on a case by case basis. We will always issue the terms before you buy any policy. The following represents some common themes :
A policy will not normally run for more than 12 months. If cover is required for a longer term, say Keyperson insurance for 5 years, this is normally done via an annually renewable policy where the insurer offers terms on an annual basis.
Just because they are bespoke policies, it doesn’t mean you can get insurance to cover any eventuality. Insurance is all about risk from both the customers and the insurers perspective. In the majority of cases people buy insurance to protect themselves against what may happen, and the insurer assesses them against a general profile of similar people to calculate the likelihood of an insurable event happening, and therefore the premium. However on occasion the likelihood of an insurable event occurring becomes so great that the insurer will not want the cover. Our underwriters have a much greater tolerance for risk than mainstream insurers, but will nevertheless need to make a commercial decision.
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Please use these forms to provide details of your insurance requirements. |
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Completed form can be faxed to 0871 277 1422 or via email to quotes@platinumifa.co.uk |
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In all cases please complete the General Life Insurance Questionnaire and send it to us with the appropriate
supplemental questionnaire(s) |
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Please be patient while the file downloads |
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General Life Insurance Questionnaire |
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Supplemental Questionnaires |
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Pre Existing Medical Conditions |
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Please complete one form for each condition you have |
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Hazardous Occupation |
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Hazardous Location / Country |
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| Whatever your insurance needs, talk to us. We cannot guarantee to obtain cover in every instance, but if there is a market for your business we can find it. |
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| These are just a few examples of business where we have been able to provide insurance |
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£2 million cover for an executive on a 5 year secondment to Zimbabwe |
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Permanent disability insurance for somebody diagnosed with early onset of Leukemia |
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Keyperson insurance for global marine loss adjuster |
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| Given the specialist nature of our business we are also able to obtain specialist Buildings and Contents insurance in the following areas : |
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| Please call us on 08450 55 95 65 for a no obligation quote. |
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| IFA's and Insurance Brokers who are looking for cover for their clients please call 01621 786082 |
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