Guides & News

When you tell an insurer that you have diabetes or pre-diabetes they are going to ask about your current HbA1C reading and when this was taken, usually the month and year.

A problem that we see some yacht crew members facing is that they don’t pay UK tax. For new income protection policies in the UK the insurer will want you to be paying UK tax. A lot of yacht crew get seafarers earning deduction and this can mean that many insurers will not be able to offer you income protection.

Just because one insurer has said that they can’t insure it doesn’t mean that all of them will say this. So if you are told no, it doesn’t mean that is a no for life insurance everywhere.

When you apply for life insurance in the UK, most insurers will ask if you have ever had cancer. This will then lead to some extra questions if you have had breast cancer. Some of these questions will be to you and some will be for your GP.

Many people living with Chrons and Ulcerative Colitis will have quite a few options for life insurance, but the key is making sure that you find the best insurer to specifically match you. This is where we standout as an adviser firm and here’s a rundown of some key bits for you.

When you take out a mortgage you are taking on a really big financial loan. This can be quite daunting and the thought of sorting out anything else at the same time can be at the bottom of your priority list. But insurance should be a key part of your financial plan.

I have had generalised anxiety disorder for many years and agoraphobia in the past too. When I first went for life insurance in 2010 I was declined due to my mental health. All I had was anxiety and it felt like a real kick in the teeth.

Fast forward to 2016 and I got my life insurance at standard terms. I have personally worked with many insurers to challenge the way that mental health is viewed. The changes over the last 10 years have been incredible. There are still things to be worked on but we are getting there.

There can often be options for life insurance if you are living with COPD. The time that it can be trickier is if you are a smoker. Insurers do see the mixture of smoking and COPD as being a high risk for a person to become quite poorly.