Live Insurance with Venous Thromboembolism (VTE)
It is possible, if Venous Thromboembolism (VTE) is your only medical condition and your symptoms are not significant, that you will be able to find Life Insurance from mainstream insurers.
Pulse Insurance are specialists in finding Life Insurance solutions for those who have medical conditions which affect the availability of Life Insurance from mainstream insurers.
At Pulse, each case is individually reviewed and rated by an expert underwriter and as a consequence of this bespoke handling, there is a minimum sum insured of £25,000.
Please consider the following - have you:
- been prescribed Warfarin or other blood-thinning drugs?
- been recommended to wear compression sock so similar?
- a BMI (Body Mass Index) of over 35?
- been prescribed HRT medication?
If one or more than one of the above applies, you may be declined by mainstream insurers and wish to submit an enquiry to us.
If you need any help or would like to discuss this with us, please do not hesitate to call on 01280 841430.
Make a Life Insurance Enquiry
If you need a specialist underwriter
Pulse specialise in taking your Deep Vein Thrombosis and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
It is quite likely that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer 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 increased risk, we like to think we are rather good at helping people find the cover they need.
In mostof Deep Vein Thrombosis cases we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.
It is always important to declare your Deep Vein Thrombosis and any other medical conditions completely. Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.
Your Personal & Medical Details
Everything you disclose about your Deep Vein Thrombosis 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 condition and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.
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 Deep Vein Thrombosis and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As 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 ever. 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.