2012 is The Year of the Pulse Seminars!

Following the success of the Pulse seminars held in Dublin, Cork & Northampton in 2011, we are planning more visits across various locations around the UK in 2012, highlighting our strengths within the specialist life market.

 Did you know that Pulse can offer cover in hazardous locations such as Iraq and Afghanistan?

 Did you know that Pulse has a specialist Interim Product, providing immediate FULL Life Cover, bridging the gap whilst awaiting lengthy underwriting processes?

 Did you know that Pulse has a specialist HIV product, without the need for medical evidence?

 Why don’t you come along and join us, to find out how we may be able to help you and your clients with their difficult to place Life and Protection cases!

Location:  Birmingham Metropole Hilton

14^th February 2012

Location:  Basingstoke Hilton

19^th April 2012

Location:  Manchester Airport Hilton

19^th June 2012

Location:  Leeds City Hilton

20^th June 2012

Location:  Glasgow Hilton

11^th September 2012

Location:  Edinburgh Caledonian Hilton

12^th September 2012

Location:  London Tower Bridge Hilton

14^th November 2012

To book your place and avoid disappointment, email or call one of our friendly Account Executives today!

Contact Us

Pulse Insurance Ltd

6 Oxford Court, St James Road, Brackley, Northamptonshire, NN13 7XY

 Email: admin@pulse-insurance.co.uk

Tel (Life cover): 01280 841430 Tel (Travel cover): 0844 3340165
Fax: 01280 702977

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Despite 2011 being a tough year for all, Pulse are pleased to report a number of achievements over the last 12 months.  These include;

• The successful release of a new web page, providing details of our ‘Areas of Conflict’ cover.  To find out more, follow this link to our website http://www.pulse-insurance.co.uk/hazardos-occupation-insurance.php    

• The hosting of two seminars in Dublin and Cork in March.  These received a huge amount of interest and we are now planning another visit in March 2012, where we look forward to meeting more of our new Irish business partners!

• Another seminar was held in Northampton in November 2011 – If you missed out, never fear, more are planned for 2012 across the UK – WATCH THIS SPACE for more details on venue locations and dates! The reasons we plan to hold seminars, are to describe our strengths within the specialist life market and also to hear direct from our customers how we can assist them with their “difficult to place” life and other protection cases.  The seminars are also a useful way of helping to build relationships with you, our vitally important customers.  Today, much business is rightly conducted by email, but personal relationships are still of greatest importance to us and it is good to meet .

• Pulse hosted a Focus Group at the Lloyd’s Building in October 2011, on our recently launched ‘Interim Cover’ product, providing immediate, short term cover, without the need for medical, financial or other underwriting to delay the process.  The product eliminates the period of exposure during the underwriting of full, term life cover, allowing peace of mind and security to the applicant.  To find out more, follow this link to our website http://www.pulse-insurance.co.uk/news/?p=163

• Plans for 2012 include the further expansion of our product base.  We are also planning to push our life business into the Netherlands market.

The year concluded with a celebration of our 2011 achievements, at the annual Christmas Party.  In these tough economic times, it is difficult to find time to celebrate, but boy when we do, do we make up for it!

On that note, Anthony, Paul, David, Ray, Jose, Debbie, Liz & Livi, would like to take the opportunity to wish you all a very Happy Christmas and a prosperous 2012. 

Pulse’s recent seminars in Cork & Dublin proved hugely successful last week, with a fantastically high attendance for each day!  A huge thank you to all who attended!  Read the rest of this entry »

Pulse are pleased to announce that there are still places available for our Cork Seminar on 23rd March, so please contact us on 01280 841430 to book your space and avoid disappointment!  We are pleased to say that we have received a huge amount of interest in the Dublin seminar and this date is now fully booked.  We look forward to seeing you all there!

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.

 December 1st 2010 is World AIDS Day. Over 90,000 people in the UK are estimated to live with HIV with 7,000 new cases diagnosed each year; two thirds of these are men and a third are women and over half of all people with HIV are aged between 30-44 (Figures from UNAIDS).
 
Previously it has been almost impossible for people living with HIV to obtain life cover, despite the drugs and treatments available. A number of specialist underwriters have now recognised the significance of medical advances, which enable individuals with HIV to live long and productive lives.
 
Pulse is able to offer two forms of life assurance;
 
1. Conventional Life Assurance – without exclusions – medical evidence required
 

• Maximum Sum Assured – £2,000,000

• Maximum term – 10 years

• Pulse provides life insurance for individuals with a wide range of medical conditions. The premiums are higher than for standard (non-rated) lives. For this reason we provide an indication of cost on completion of a simple HIV questionnaire, which can be obtained from our website or you can contact us by phone or email to request one.

• If the indicated premium is acceptable we ask for an application form to be completed to enable us to provide a firm quotation. (The application will be sent with the indicated premium).

• Medical evidence (usually a GP report and/or specialist report) will be required once the Application has been received.

2. The Harbour policy – without exclusions – NO MEDICAL EVIDENCE required
 
The Pulse Harbour policy is a unique policy which provides a combination of a modest amount of life assurance with a significant amount of personal accident cover;      

The cover can be put in place quickly without the need for medical evidence

• Maximum term – 10 years

• Maximum sum assured – up to £25,000 life insurance combined with a maximum personal accident cover up to £200,000.

• The cover is available to applicants between ages 18 and 64.

• The Harbour application form is available from our website or by requesting it by email or by telephone.  

In respect of both  forms of cover the following guidelines below may be of assistance:
 

• We are able to offer cover to people with HIV, but not ‘late-stage HIV’ (AIDS)

• We are unable to offer cover to people who have HIV and Hepatitis B, Hepatitis C or haemophilia

The above are general guidelines.  If you have a client with HIV who has been declined life insurance or who you believe will experience difficulty in obtaining cover, please do contact us and we can tell you quickly if we think we can help.

Pulse is able to offer cover for people working in or travelling to potentially hazardous countries or for ‘hazardous’ hobbies.

• the non-UK national works for a UK company (who will be paying their insurance premiums)
• or the non-UK national owns a UK property.

For exceptions please contact Pulse

• Non-Invasive (cancer or carcinoma in situ). The most common type is Ductal Carcinoma in situ.
• Invasive. This type can spread outside the breast but does not necessarily. The most common type is Invasive Ductal Breast Cancer.

Pulse are able to help providing cover for clients who have had breast cancer. The following guidelines may help when considering an application for life insurance:

• Cover cannot be provided during treatment, and will be postponed until after treatment
• The postponement period is most likely to be 2 years from the end of treatment, although there are occasionally exceptions.
• It may be possible to offer short term cover, starting a year after the end of treatment and running until the end of the postponement period

In order to complete the application, we will need the following information:

• The staging of the tumour: this will be the t,n,m figures i.e. the tumour size, lymph node involvement and metastasis i.e. whether the cancer has spread.
• Sometimes the grade of the cancer is given instead of the staging, from grade 1-3.
• It is useful to know all of the treatment that the client has had or is having e.g. whether they are on Herceptin, and whether they have had chemotherapy or radiotherapy

The above are general guidlines; in order to see whether Pulse are able to assist in providing cover for your client, please call or email us.

September 26th 2010 is World Heart Day. The World Heart Federation have designed the day to raise awareness of heart disease and strokes. They claim that up to 80% of premature deaths from heart disease could be avoided by controlling risk factors including an unhealthy diet, lack of exercise and smoking. Pulse are pleased to be able to arrange life insurance involving an increasingly wide range of heart problems:

• High Blood Pressure - Cover is available especially where the condition is well controlled and there are no complications. Combinations of problems make cover more difficult to achieve and more expensive.

• Heart Arrhythmia (irregular heart beat) – Cover should be available at close to normal rates provided there are no complications. It is possible to obtain cover where there are co-existing conditions e.g. diabetes, although this will increase the premium.

• Heart Attacks: We can arrange life insurance if the attack has taken place six or more months ago and there are no complications. If the applicant is a smoker we should still be able to arrange cover but the premium may well be at least double that of a non-smoker. If the applicant has had more than one heart attack and/or has other conditions such as diabetes, terms are available at an increased premium, although in some cases it will not be possible to insure.

We are also able to insure those who have undergone heart surgery or who have suffered a stroke– as follows:

• Angioplasty (opening of partially blocked arteries in the heart using a balloon) and Stenting - Cover should be available if an application is made six months after a successful procedure

• Bypass surgery – Cover is available if an application is made one year after successful surgery, providing there have been no complications.

• Heart Valve Replacement – Cover is available if an application is made one year after a successful operation, providing there have been no complications.

• Aorta graft surgery for swelling of the aorta (Aneurysm) – Cover is available if an application is made six months after a successful operation, providing there have been no complications.

• Strokes – Cover is available if an application is made one year after the stroke. Smoking and/or other medical conditions will increase the cost and may affect availability of cover.

If you have a client who has been declined life insurance or who you believe will experience difficulty in obtaining cover, please do contact Pulse either by calling us on 01280 841430 or by emailing us at admin@pulse-insurance.co.uk to see if we are able to assist.