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Where a pre-existing medical condition might lead
other insurers to decline an application, PULSE
has been successful. Examples include:
- A client diagnosed with breast cancer 5 years
previously requiring mastectomy and chemotherapy
- A 36-year old heart attack victim with high blood
pressure and cholesterol levels controlled by medication
- A male smoker with high blood pressure, raised
cholesterol and a family history of heart disease
Other difficult-to-place cases successfully arranged
by PULSE include:
- Cover for aerobatic pilots, skydivers and motor
sports enthusiasts
- Cover for a foreign diplomat purchasing a UK property
- Cover for a Chinese ‘keyman’ national
working in China but employed by a UK company
Policies arranged by PULSE have
embraced family and mortgage protection and tax planning.
Examples include:
- Short term cover for a couple completing a house
purchase while awaiting the results of hospital
tests
- Life cover protection in order to finalise a mortgage
with a lender as a condition of the loan
- Seven year term life cover to protect an elderly
lady’s Inheritance Tax planning
- Short term accidental death cover to protect a
client’s estate pending arrangement of whole
of life policies
Other bespoke policies that PULSE
has arranged include:
- Cover for a group of marine engineers working
in Angola
- Cover for individuals and groups working in politically
unstable countries
- Confidential cover for a divorcée to safeguard
maintenance payments in the event of the death of
her ex-husband
- Family Income Benefit
Clients have used their life cover arranged by PULSE
for a variety of reasons.
- Shareholder protection and ‘keyman’
cover for an internet consultancy
- Security for a business loan
- Death-in-service cover for an employee and groups
of employees considered unsuitable by the insurers
of a company pension scheme
- Death-in-service cover for an employee with a
salary in excess of the ‘earnings cap’
FOR MORE INFORMATION CALL THE PULSE
TEAM ON 01280 850666 OR DOWNLOAD QUESTIONNAIRES
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