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A Trading Style of Platinum Financial Consulting

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THE FINANCIAL CONDUCT
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FCA Registration No : 227014  
     
 

Life Insurance Case Studies

 

We specialise in finding insurance for people with pre-existing medical conditions, or who work in a hazardous job, as well as people who have a dangerous hobby, or who have been refused insurance elsewhere.

We specialise in life insurance, critical illness insurance income protection insurance, mortgage insurance and travel insurance. We don’t charge you a fee for the work that we do.

These are just some examples of the people we have helped:

Matthew, a 41 year old, last had an epileptic fit 10 years ago. Given that the epilepsy is now controlled by his medication, we were able to get him standard non-smoker rates for his life insurance

Douglas had been declined twice by insurance companies, with no reasons given. We helped him identify what the key issue was (an abnormal liver function), and were able to find him an insurer who was willing to accept his application for life insurance

Richard had used ecstasy once at a party 5 years ago and was surprised to be turned down by an insurer for his past drug use. We were able to find him an insurer who would offer him life and critical illness insurance at standard rates

Mark, studying for his private pilots licence to fly a rotary wing aircraft / helicopter, wanted to take out life insurance. We researched the entire market and found him the cheapest cover that was on offer for this type of aviation

Rob had attempted suicide two years prior to talking to us, having suffered from severe depression. We were able to find him a life insurance company who would offer him cover, although he was charged extra for the first two years of the policy

 
 
 


Laura was an anorexic as a teenager, and although now aged 24, she was still underweight and her height to weight ratio meant that she was having trouble finding an insurer who would accept her life insurance application. We helped her find an insurer who offered her life insurance with a small additional loading on the premium

Richard had used cocaine for a 3 year period and had been turned down by one of the main insurers. We were able to find him an insurer who would allow for his drug use and offer him cover with an additional premium payable for the first 3 years of the policy

Frank has an inherited genetic disorder which can impact on the lungs, but because he smoked, none of the mainstream insurers would consider his application for life insurance. Through a specialist insurer, we were able to find him cover

Neil had a form of kidney disease (FSGS - focal segmental glomerulosclerosis) which had been diagnosed for 10 years and affected both of his kidneys. We found him an insurer who would accept his application for life insurance

Colin has ulcerative colitis, but we were able to find him a life insurance company who would offer him insurance, even though at a higher premium

Tracey had high blood pressure and was overweight with a high BMI / Body Mass Index. Through us, she took out a life insurance policy with an insurer who was willing to offer her life insurance

William had a heart attack at the age of 46, six years ago. We managed to find an insurer who offered him life insurance at a rate he was happy with

Mark had suffered from depression and had past drug and alcohol abuse. We found him life insurance from an insurer who was able to offer him cover at just twice the normal premium

Alister had an in situ melanoma 4 years ago. It wasn’t completely benign and so was removed. We were able to get him life and critical illness insurance at standard non-smoker rates

Geoffrey is 60 years old, with hypertension and a high Body Mass Index / BMI. We were able to find him insurance to cover his mortgage

Zoe had 2 suicide attempts and depression about 10 years ago. She now has Polycystic Ovarian Syndrome, but we were able to find life insurance for her and her husband at standard rates

James suffered from depression and had a nervous breakdown 4 years ago. We found him life insurance at a competitive rate that he was happy with

Kevin suffered from ME / myalgic encephalomyelitis or chronic fatigue syndrome. The insurance company he applied to through us offered him life insurance with just a £15 per month extra premium applied

William is an overhead linesman and his job therefore involves working at heights above 40 feet. We were able to help him and his wife find competitively priced life insurance to cover their mortgage

Amanda had a CVA Stroke at the very young age of 22. Now 39 she was looking for life insurance, and we managed to find her a life insurance company who would accept her application

 
     
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Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY


Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email : help@platinumifa.co.uk

AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

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FCA Registration Number : 227014

 
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