Guides & News

Insurers will usually want to see at least a few months since you had your heart attack, before they will consider your application for life insurance. You can get life insurance before this time but it’s important that you know it’s very likely to come with exclusions relating to your heart.

Relevant life insurance is one of the most popular business protection policies that we arrange for people. It’s life insurance that is arranged through and paid for by your business. The premiums can be offset against your corporation tax too, bonus!

When you are over 60 you can feel that the time is right to start getting life insurance in place. There can be a lot of reasons to take out life insurance and this reason will change the type of insurance that you need.

When you are employed you can sometimes have security of income protection from your employer, or at the very least statutory sick pay. When you are self-employed you have nothing to give you that buffer of supporting income. That’s why income protection is probably more important for self-employed people, than anyone else.

Life insurance is one of the simplest policies to arrange. It is pretty straightforward, if you die while the policy is active it will pay out money to your loved ones.

When you apply for life insurance insurers are always looking for any risks that could make you more likely to make a claim on an insurance policy. This is because they want to make sure that they fully understand things like your health, travel, job and sports that you do.

For a politically exposed person (PEP) there are some additional risks in the background that insurers want to keep an eye on. I am going to explain some of the key reasons that you might have found that getting life insurance isn’t easy.

Having well controlled blood pressure does not usually cause any problems for life insurance. You can often have quite a simple application process and have terms for life insurance offered to you quickly.

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.