Declined Insurance: What to do

Have you ever had insurance declined because of your medical history, BMI, foreign travel, hazardous pursuits or your occupation? If yes, then you are not alone, many people do, however, we can help. 

Usually when you are declined insurance it is down to you having special risks. Here is a list of examples of who might be regarded as high risk: 

  • People who have had cancer, diabetes, heart attacks or mental health issues. 
  • Workers who are in the armed forces, based offshore, working at heights, or working under water. 
  • Those travelling to Afghanistan, Iraq, Angola or Iran. 
  • People who enjoy rock climbing, scuba diving, motor car racing or transatlantic sailing.

If you fall into any of the categories above then you are seen to have an increased risk. Your life insurance and critical illness cover rates could be affected by this. If your work causes you to be in one of these categories then income protection insurance could also be difficult to obtain because of the increased chance of injury. 

“Having the right protection in place is one of the fundamental basics in relation to good financial planning. When someone is declined cover due to health or occupational factors that are often outside of their control, they can become worried that no-one will provide them with protection against all that life can throw at us. This is not necessarily the case and I hope that we can assist more people in the future find the right cover for their circumstances through the partnerships we have developed,” says Chris Lees, Co-Founder of Resolve Financial Solutions. 

What should you do? 

If you fall into one of the above categories then please get in touch

We have a partnership with Cura Insurance who specialise in these special risk areas and they will be able to help you. During our call we will gather a basic medical fact find and establish your budget for this type of cover. It is important for us to have all the relevant information before we can advise the best course of action.

Please note: Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

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