If you have been declined life insurance or if you feel your circumstances will make an application difficult, the next step is to ensure that all the standard insurers in the marketplace have been contacted, as often one insurer will cover you where another will not.
We will contact all the life insurance underwriting teams directly with the full details of your circumstances, on your behalf and will give you an indication of any likely post underwriting terms. We will then discuss with you the best course of action for an application if one is possible.
If it is certain that no insurer from the standard marketplace will accept the cover you require we can often help further by speaking to specialist (non-standard) insurers on your behalf. This usually means that these specialist insurers will accept increased risk in return for a higher premium loading than the standard market will accept. If your requirement for cover is therefore worth accepting a higher premium loading, it may still be possible to arrange the cover required, even if the standard insurers have declined.
There are many reasons why the standard insurance market might not insure you;