If you need help finding Life Insurance, Critical Illness Insurance or Income Protection Insurance, or if your premiums were increased after underwriting or worse turned down altogether, then you’ve come to the right place.

What is even better we offer a free no obligation consultation!

This is one of our greatest specialities. Years of expertise help us place cases for clients with the following conditions:

  • Pre-existing medical conditions like: high blood pressure, high cholesterol, diabetes, anxiety, stress, depression, family history
  • Weight or height-to-weight issues
  • History of drug abuse
  • Hazardous or high risk job or pastime
  • Previous or current smoker
  • Difficulty finding insurance for any other medical condition
  • Perfect health but are looking for a competitive quote

We help all types of client find Life Insurance, Critical Illness Insurance or Income Protection Insurance. We have a wealth of knowledge within our group and network, and years of experience in this field.

You may think that you are going to struggle to find insurance, or you may already have applied to an insurance company and had your application postponed or declined.

Alternatively you may have had terms offered to you but at a higher premium (they have “loaded” or "rated" your premiums) because of your job, medical history or a pre-existing medical condition.

What we know and understand is each insurance company has its own niche and specialities. When it comes to more complex cases, every provider will have a different view on your medical history, job or hobby. Some insurers may decline your insurance application simply because it is not an area that they wish to provide cover for. Other insurers specialise in offering cover where others will not, and will be happy to consider you and may be able to offer you cover.

We speak directly to underwriters on a case-by-case basis, and know which insurers will consider your application. If there is a choice between companies, we will help you find the insurer who is willing to offer you cover at the cheapest rate post-underwriting, not just upfront.

Each year, we have hundreds of people either referred to us by our business partners or contact us directly because they either have difficulty obtaining affordable insurance, or want to see if they can get it cheaper.

We pride ourselves in knowing which of our insurance providers are most likely to consider each application favourably, and we have a proven track record in obtaining insurance for people who have had their insurance premiums rated, deferred or declined.

Whilst we cannot guarantee that we can obtain insurance for you, using a company like ours that has had experience in this particular field will greatly improve your chances.

Insurance providers are constantly reviewing their rates and terms, so even if you already have insurance in place, we may be able to find the same cover for you, but with a cheaper premium.

We can also help if you are looking for Critical Illness Insurance, Income Protection, Key Man Insurance, Mortgage Protection, Income Protection, Accident Sickness & Unemployment or Buildings and Contents Cover.