Life Insurance with your medical condition(s)
Finding your Medical Condition
We have created dedicated details and questions for many specific Medical Conditions.
Please search again to try to find our specific details on each of your Medical Conditions.
If you cannot find your condition(s) or need any help or would like to discuss anything with us, please do not hesitate to call on 01280 841430.
We are usually able to say straight away whether we think we can help, but we will not be able to provide an indication of premium until after our underwriters have reviewed a completed enquiry.
If you prefer to share some details ahead of discussing this with our expert team - please submit your enquiry making make sure to select / give details of any other medical conditions.
Make a Life Insurance Enquiry
If you need a specialist underwriter.
If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your Medical Conditions and requirements into account and finding you Life Insurance, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
It will be easier to find cover if your condition has become stable. It is probable that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.
If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 841430.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are rather good at helping people find the cover they need.
In most cases, we can offer indicative premiums and/or a sense of whether cover may be available or not early on; so you can decide how to proceed.
It is always important to declare any Medical Conditions completely.
Your Personal & Medical Details
Everything you disclose about your Conditions and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Your Pulse underwriting specialist will look to gain a detailed picture of your health and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.
Life cover is issued based on a “snapshot” of your health. Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.
Requirements for more information
While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Condition and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
If you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.