Life Insurance is possibly the most fundamental and important insurance to arrange for anyone who has others who depend on them. While many people often consider Life Insurance specifically to protect a mortgage, there are many other reasons that life cover should be considered.
There are many insurance providers, but for those who have medical conditions or a history of mental illness or work in a hazardous occupation or enjoy higher risk pastimes; the choice of insurers may be far smaller. It can also more difficult to find cover once an insurer has declined cover, as this declinature must often be declared on all future applications.
Pulse Insurance was established in 1998 and ever since have been helping insure people who are declined Life Insurance and other covers by other insurers. It is not always possible to find cover for every life, but we like to think if cover is available, we will find a solution.
Pulse work directly with a specialist underwriters at Lloyd’s and/or FCA regulated UK insurers. If you have not been declined, or when we believe you may be able to get standard cover from a more mainstream insurer.
Inevitably, higher risk or higher sums insured mean that premiums are also higher, but the impact of not being protected is perhaps the highest cost. It is also important that your policy cover is only restricted as a last resort, that risk is why you want protection after all.
More than 80% of our team’s underwriting and life insurance expertise exceeds 12 years.
We communicate with intermediaries and private clients alike and then speak directly to our underwriters every day, so the uniqueness of each case is appreciated and well-handled.