Who is Pulse?
Pulse Insurance specialise in Insurance for those who find getting the right cover difficult.
We have been doing this since 1998 and we like to think we have the know how to help you and your client if cover can be found
We offer you friendly and expert professional help to find the cover that is desired.
Declined for Cover
Many insurers may decline to quote for Life Insurance where a person has serious health issues which may affect their lifespan. Or they may even try to exclude cover for these conditions!
This can make it difficult, for the very people who fear they may not live as long, to provide the kind of peace of mind and financial safety net they want and their loved one’s need ( if they are not there to provide for them).
Causes of Declinature
Declines may also happen because of increased risk such a person’s occupation, where they live or work or a combination of both, a high sum insured or even that the cover duration is too short.
More than Life Insurance
Pulse can provide life insurance, income protection and more. Not all insurers are able to do the necessary to cover specific risks like Inheritance Tax solutions / gift inter-vivo, relevant life, cover for one day or an event or specific trip or group.
Pulse work closely with specialist life Underwriters at Lloyd’s of London and other non-Lloyd’s insurers to arrange cover.
The policy premium required may be higher, sometimes significantly higher for those with the most serious conditions or unusual hazards, but fairly reflecting the increased risk.
How we operate
We know that getting an early idea if you can be covered and what kind of premium costs are likely to be involved is important. If you would like to discuss what cover may be available please do not hesitate to call us, otherwise you will find information about a number of condition(s) on our website.
You can complete an enquiry online including details of medical conditions and any hazardous occupation or pursuits OR f you prefer or need to complete all the details offline, perhaps while you are with your client, you may select and download the "old-style" form(s) below to complete manually.”
We can usually give an indication of the costs of cover within 5 days.
Our policyholders tell us its is really important to learn the availability of cover and to get an idea of price quickly.
It can be but is not always necessary for us to seek a Doctor’s report or for you to undergo medical examinations, blood tests and other tests that will confirm your health to allow our underwriters to quote a fair and accurate premium and confirm cover details. These tests are paid for by the underwriter, if your client takes out the policy.