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Life Insurance for Pre-Existing Medical Conditions


If you have been declined life insurance, had your cover withdrawn, or your existing insurance policy cancelled, you may still be able to obtain cover.

We have helped many people obtain Life and Critical Illness Insurance, when they thought it was unobtainable.

Many people discover that when they apply for their insurance policy, the insurer declines the application. Sometimes the reason is known, but equally it can come as a shock.

The most common cause of a rejected life insurance application is some form of Pre-Existing Medical Condition.

We understand that this can be a stressful time. Not being able to obtain insurance can cause you problems with mortgage lenders etc, as well as causing you to worry about what would happen to you or your home if the unexpected happened.

It is important however not to make any rash decisions. At Platinum we have a proven track record in helping people who have been previously declined insurance. We do this in a number of ways:

  We know the insurers and their criteria
  We make sure we understand your situation fully before making an application
  We can talk directly to underwriters about your specific case
  We can discuss alternative cover that may meet your needs

 

 

 

 

 



We only submit an application to an insurer when we have discussed the case fully with yourself and the insurer, and we feel it has a reasonable chance of success. This approach significantly reduces your chances of being formally declined which you would otherwise need to declare on future insurance applications.

Whilst we cannot guarantee that we can obtain insurance for you, using a company like ours that has had experience in this particular field will greatly improve your chances.

As always we are keen to make you fully aware of how we work on your behalf and what the possible outcomes may be. Platinum will not charge you for the advice given or work undertaken.

Below are possible outcomes :

  1. The insurance company will accept your application on standard terms
  2. The insurance company will accept your application but charge you an increased premium
  3. The insurance company accept your application but will not cover certain eventualities - these are normally known as exclusions
  4. The insurance company accept your application but include some exclusions and charge you a higher premium
  5. The insurance company decline your application

Please feel free to contact us regarding any aspect of this subject.

Here are just some of the areas where we have been able to help :



Poor Medical History

Some people are well aware that their medical circumstances mean that they are likely to be refused Life Insurance, or at the very least have special conditions placed upon it. To many other people the news that an insurer is going to refuse their application comes as a complete shock. On occasion it can simply mean nothing more than they have chosen the wrong insurer, for example many insurers won't accept clients who have a history of epilepsy while others will.

The problem in these cases is that you now have been officially declined by an insurer. This is a material fact that you must disclose in all other insurance applications. Our approach significantly reduces your chances of being officially declined.

We have helped many people with poor medical histories obtain cover and you might even be accepted at standard rates.

 

Unusual Professions


While many people accept that people who have very dangerous jobs will struggle to get cover, it can be surprising which occupations some insurers will decline.

Oil Rig workers in some cases will be declined or have their premiums increased (loaded). We have been able to obtain cover for people in such professions.

Our team will work to ensure that we get you the cheapest and most appropriate cover available.

Please use these forms to provide details of your insurance requirements.  
 
Completed form can be faxed to 0871 277 1422 or via email to quotes@platinumifa.co.uk
 
       
    In all cases please complete the General Life Insurance Questionnaire and send it to us with the appropriate
supplemental questionnaire(s)
 
       
 
Download
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Download General Life Insurance Questionnaire
General Life Insurance Questionnaire  
       
        Supplemental Questionnaires  
       
 
Download Pre-Existing Medical Condition Questionnaire
Pre Existing Medical Conditions  
         Please complete one form for each condition you have  
       
 
Hazardous Occupation Questionnaire
Hazardous Occupation  
       
 
Hazardous Country Questionnaire
Hazardous Location / Country  
 
 
 
Request Quotes for insurance with a Per-Existing Medical Condition
 
We have a proven track record in helping people who are having difficulty obtaining life insurance. These are just a few of the areas where we can help :
 
  Angina
  Anxiety
  Arrhythmia
  Atrial Fibrillation
  Blood Pressure
  Bowel Disease
  Cancer
  Cholesterol
  Crohn's Disease
  Colitis
  Colostomy
  Coronary Disease
  Coronary Thrombosis
  Depression
  Diabetes
  Diabetic
  Digestive Problems
  Drug Use
  Epilepsy
  Epileptic
  Familial Hypercholesterol
  Familial Hypercholesterolaemia
  Heart Attack
  Heart Disease
  High Body Mass Index
  High BMI
  High Cholesterol
  Hypertension
  IBS
  Ileostomy
  Indigestion
  Irritable Bowel Syndrome
  Life Insurance for Overweight
  Myocardial Infarction
  Obese
  Obesity
  Ostomy
  Overweight
  Palpitations
  Panic Attacks
  Seizures
  Stress
  Stroke
  Suicidal Thoughts
  Suicide Attempt
  Ulcerative Colitis
 
Given the specialist nature of our business we are also able to obtain specialist Buildings and Contents insurance in the following areas :
  Criminal Conviction Insurance
  Listed Buildings
  Unoccupied Buildings
  Unusual Construction Buildings
 
Please call us on 020 33 55 4831 for a no obligation quote.
 
 
 
Specialist Life Insurance Solutions  |  Platinum Financial "good old fashioned personal service via the internet"
 
 
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Telephone : 020 33 55 4831                   Fax : 0871 277 1422                    Email : info@platinumifa.co.uk

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FS Registration Number : 227014