Guides & News

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.

When people think of insurance they usually think of life insurance, car insurance, house insurance, pet insurance and travel insurance is another biggie. But, the insurance that underpins all of this is income protection.

Having a low or high BMI can have quite an influence on the types of insurance that you can get and also the right insurer for you. Here’s a breakdown of the 6 key things that we think you need to know.

Over the last few years we have been involved in trials with some insurers, to offer income protection to people living with HIV. These have now led to full income protection policies now being available, a huge change to what the insurance world used to have on offer.

There are often quite a lot of options for people to get life insurance when they have atrial fibrillation. It’s impossible to say that you absolutely will be able to get life insurance, or that this insurer is the best one for you, or that you will be looking at £30 per month for the cover, without knowing more about you.

Going through a separation is not pleasant and there can be extras that pop up that you’ve never even thought of. Needing to take out life insurance can be one of these extras.

There is no point in denying it, the truth is that insurances sometimes don’t pay out. In this blog I’m going to talk through the reasons that things like life insurance, critical illness cover and income protection don’t pay out a claim. But, I’m also going to show you how this is far less likely than you think.