“Mr A was a 45-year-old, diabetic, non-smoker, self-employed as a Journalist. He was married with a daughter and an outstanding mortgage. He was concerned that he had no financial safety net should he die or be unable to work. The benefits provided by the state would not cover the mortgage and monthly outgoings and they had limited savings. Although he maintained a healthy lifestyle and had not experienced any complications related to diabetes, insurance providers had declined life insurance due to the increased risk posed.”

“After extensive research, we sourced a reputable insurer who offered Mr A Life Insurance policy, albeit with a slightly increased premium. The Insurance Provider wrote to Mr A’s GP for further medical details around his diabetes.”

“Mr A was relieved to have obtained a Life Insurance policy which will provide cover until his expected retirement age of 70 – by which time their home will be mortgage free and the family will be financially independent.”

“Mr D was a 40-year-old family man with two young children. He wanted to arrange a critical illness policy as they had recently moved into a bigger home. However, he had previously been diagnosed with and recovered from stage 1 classical testicular seminoma and right orchidectomy 4 years ago. Since the surgery, he attended annual reviews with his Oncologist who had discharged him confirming the tests were all clear. Mr D had approached an insurance company through another broker three years ago; however, his application was declined, and he was advised that it would be very difficult for him to get any type of insurance in the future due to his condition. This left Mr D and his wife worried and apprehensive.”

“We conducted an extensive research and presented Mr D’s medical history to the senior medical underwriters of several insurance providers.”

“Being transparent and upfront with the underwriters gave them a full understanding of Mr D’s position. One of those insurers was prepared to offer him critical illness insurance cover with a minimum premium loading with an exclusion for testicular cancer. Mr D and his wife were delighted. He now has a critical illness and life insurance policy which will provide him with the appropriate amount of cover to protect his outstanding mortgage and family – giving them peace of mind.”

“Mr G, a 44-year-old HGV driver wanted advice on arranging income protection cover to safeguard against his mortgage and day to day living expenses. He was the main breadwinner in the family and his primary concern was to ensure the expenses were covered should he not be able to work.

Mr G wasn’t receiving any sick pay from his employer, which meant if he fell ill he would only receive Statutory Sick Pay (£95.85 per week). This would be insufficient to cover his expenses, and particularly worrying as his wife did was not working and caring for their young son.”

“We looked at all available options for Mr G taking into consideration the factors that insurance companies look at for high-risk occupations.”

“A full income protection policy providing cover till his expected retirement age of 67 was available, which would provide 60% of his monthly income, should he be unable to work due to ill-health, accident, or incapacity for a period of more than 1 month. Mr G took the policy and had peace of mind knowing that he and his family would be financially secure should he be unable to work.”

“Ms H informed us that her company had decided that they would no longer be offering Private Medical Insurance as a part of her employee benefits. However, she wanted to continue the policy as she was a single mother and one of her children had some health conditions which required private consultation from time to time.” “We reviewed the continuation quote Ms H had received and researched the market for other suitable options.”