March 2011: Short Term/Interim Life Cover
90 days max, no medical

The time taken to underwrite a life application can be long, leaving the client exposed without cover.  Pulse is proud to announce the launch of a unique, innovative interim protection product, providing immediate, short term cover.  The product eliminates the period of exposure during the underwriting of full, term life cover, allowing peace of mind and security to the applicant.
The product offers the following benefits subject to completion of a short Lloyd’s proposal form, or existing proposal with a supporting Lloyds Declaration:

• Available in increments of 30 days, up to a maximum of 90 days
• No medical, financial or other underwriting to delay the process  
• £2 million sum assured per individual
• Natural Causes Only Cover available in Hazardous Locations, subject to sanctioned territories
• Cover available for group members requiring underwriting due to medical conditions or cover above the ‘free cover limit’
• Standard suicide and hazardous pursuits exclusion

Flexible underwriting easily allows the applicant to extend at any time, from 30 or 60 days, up to the maximum 90 days.  Security 100% Lloyd’s of London

The product is available to applicants outside of the UK and in various currencies, subject to Lloyd’s licensing agreements.  Pulse has recently provided immediate cover in respect of a:

• UK national working in the USA.  Cover was required due to maintenance payments and the applicant has a heart condition and had recent surgery.  30 days cover, sum assured £1,500,000.00.  
• Keyman based in southwestern Europe.  His existing policy expired leaving him exposed while a 5 year Keyman policy was being underwritten.  30 days Cover, sum assured €2,000,000.

Cover is available swiftly and efficiently, making it ideal for Keyperson, Business Protection, IHT planning or executive protection.
Although the product was designed to bridge the gap during underwriting, short term cover can also be arranged through Pulse for other purposes.  Please contact us to discuss other options.     

Pulse is a specialist company that has successfully arranged cover for a great many applicants.  We cannot help in every case but we will always do our best to fulfil the client’s needs.  If you have a client who has been declined life cover or experienced difficulties in obtaining the cover required, please contact us by calling 01280 841430 or emailing admin@pulse-insurance.co.uk or go to our website www.pulse-insurance.co.uk    We can tell you quickly if we think we can help.

Alternatively, you can complete one of our questionnaires on our website. Completion of the questionnaire should enable us to say whether cover is available and if so, to give an idea of cost within five working days of receiving the completed form. We will do all we can to assist.

We can also help with holiday travel insurance for single and multi-trips for pre-existing medical conditions.

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