Pulse is a specialist company that has been providing non-standard or high risk life cover to individuals for over 10 years. We have built close links with UK authorized specialist life insurance companies which means we are able to take on cases that others decline. Pre existing medical condition insurance or high risk life insurance can be arranged for people with illnesses such as diabetes, high blood pressure or cancer, or for other individuals deemed to be 'higher risk' (e.g. those with occupations that involve travelling to 'high risk ' areas or who have 'high risk hobbies' e.g. motorsport). Often these individuals are turned down for insurance through the standard life insurance market.
Submit Enquiry
To obtain your no obligations indication of Cost for Life Insurance, just complete our 3 step online form. We will send your Indication of Cost to you within 5 working days. To fill in our online form click here.
We offer the following products for people who have been declined pre existing medical condition insurance or insurance because of their 'high risk' occupation or hobby:
Level Term Insurance: Your life cover will cover you for a set term. You will be covered for a ‘lump sum’ amount that will stay the same throughout the term of your life cover e.g. if you have a 10 year policy covering you for £50,000, this will be the same whether a claim is made at Year 1 or Year 2 etc… through to Year 10.
Decreasing Term Insurance: Your life insurance will cover you for a set term. However, unlike level term insurance, the amount you are covered by will decrease throughout the term of your insurance e.g. if you have £100,000 of decreasing term cover over 10 years, this could go from £100,000 in Year 1, to a lesser figure in Year 2 (e.g. £90,000), to a lesser figure in year 3 (e.g. £80,000) and so on
Family Income Benefit: If a claim is made on your life insurance, your family will receive the payment, broken down annually, instead of as a single, ‘lump sum’ amount , which effectively replaces the salary of the deceased person
Whole of Life: Instead of having life cover for a fixed term, you will be covered for the rest of your life. Certain exclusions will apply; for example this policy is only available to the over-50’s
Gift Inter Vivos: Your insurance will cover you for 7 years. It is designed to cover those who are passing on money/assets (the ‘gift’) to someone else. If the donor, passing on the gift were to die during the 7 year period, the recipient would be liable for inheritance tax. Our Gift Inter Vivos policy is designed to protect the recipient by paying out a lump sum, if a claim is made, to help them pay the Inheritance Tax bill.
We also offer other life insurance such as Confidential Life policies
Please note that different requirements and exclusions apply to each of the above policies.
