Pulse Insurance Ltd (Pulse) operates by developing and maintaining relationships with insurers who are prepared to consider non-standard cases. This allows us to assist financial advisers and other intermediaries who are experiencing problems in finding cover for their clients from their normal range of product providers. These may include individuals who;

- Have a history of medical problems
- Are working aboard
- Are overseas nationals resident in the UK
- Work in a hazardous industry
- Require a large amount of cover

Also, companies who require cover for key employees who fall outside normal underwriting criteria.

Pulse is not a risk-carrier and all policies are placed with UK authorised insurers, including Lloyd’s.

You can enquire about life insurance using the online forms, or by downloading the questionnaires. These questionnaires will provide sufficient information to enable underwriters to say whether cover is likely to be available, and if so, how much it would cost. Initially we give an indication of premium as opposed to a quotation. If your case is complex, or you would prefer to speak to someone in person please call us on 01280 841430.

Once we receive the completed questionnaire(s), we will be in a position to say whether or not terms can be offered. We are usually able to provide you with an indicative quotation within five working days, without the need for a medical examination.

You will be sent a proposal form and key features document along with the indicative quotation. The underwriter involved will review the completed insurance proposal form and we will let you know if other information is required. Frequently, a report from your client's General Practitioner is requested.

It depends on the complexity of the individual case. In the majority of cases, some form of medical information is required and where a delay is encountered in obtaining this, we ensure the GP is chased on a regular basis. We may also seek your assistance by asking the client to contact their surgery and explain the importance of the report being completed as soon as possible, in order to minimise delays.

No. At no stage will we contact the client directly unless we are unable to contact you and are facing a time-critical deadline. On receipt of final acceptance terms, we will forward these to you for discussion with your client. If the terms are accepted, we will send you a copy of the Policy Documents.

We are unfortunately unable to offer cover for those with a BMI over 60, cases of Alzheimer’s disease and armed forces personnel.
In cases of cancer, terms are only available one year or more from the end of radio/chemotherapy or surgery.
The maximum age that we are able to accept and seek quotations on is 84 and cover would not extend beyond 90 years of age.

They range from clients suffering from cancer and diabetes to those with kidney problems and heart conditions. A list of some of the medical conditions we have been able to cover can be found in the ‘Who we can help’ section of this website.

Every case handled by Pulse is individually underwritten and premiums vary considerably as they will be influenced by factors that are unique to the case in question. It is for this reason that Pulse gives an early and quick indication of premium before issuing a formal quotation. Pulse is able to work to a budget.

This is dependent on the individual's circumstances, but up to 40 years is possible on term life policies.

This could be for as little as one day. Please see Other Products for details on short term cover.

Pulse is able to offer terms on sums up to £15,000,000 as standard. In exceptional circumstances, larger sums assured may be obtainable.

No.

We receive commission from insurers and share this with you. We do not charge a fee for our services.

The amount of commission payable to the intermediary will be set out at the time the indicative quotation is provided and confirmed once acceptance terms are offered.

Our insurers set the type and level of commission.

Commission in relation to life assurance: In the majority of life cases indemnity commission is available but in some cases, for instance where the term available is short, we may be restricted to offering non-indemnity commission only. Some intermediaries prefer non-indemnity commission, in which case we can always make this available. Conversely we cannot offer indemnity commission if the underwriter is not willing to make it available.

Indemnity commission will be based on 150% of LAUTRO, which we share equally with the introducing intermediary. Non-indemnity commission is payable is on a level basis up to 25% per annum for the duration of policy and again, we share this equally with the introducing intermediary.

Commission in relation to products other than life varies considerably. It will be set out in the indicative premium and shared equally with the intermediary.

Where the intermediary is a member of a network, commission will be paid to that network unless we receive written authorisation to the contrary. We endeavour to pay indemnity commission within 5 days of receipt from the insurer. In cases where non-indemnity commission is payable and premiums are being collected by monthly Direct Debit, commission is paid quarterly.

We are authorised by the Financial Services Authority and our FSA Register Number is 308626. Pulse operates a Statutory Trust Account for the receipt of client money.