In this video I talk about Sally, who came to us with a need for life and critical illness insurance. Sally had suffered a stroke a few years earlier to speaking with us, she had also had a hole in the heart and some depression. We applied for Sally’s insurance and at first she was declined. We challenged the decision, arranged for Sally to have a medical to prove that she was in good health, and we got her the life and critical illness cover that she needed. Watch my video to find out more.
For more information about Stroke Life Insurance, please visit our dedicated page here.
Hi, and welcome to the CuraVision ABC series. Today, I'm focusing on Mrs. S.
Sally came to us, 36 year old female, non-smoker, BMI in the perfect range, and she came to us because she needed some insurance, and she wasn't sure where to start because three years prior, she had had a stroke. And two years prior to speaking to us, she had had a PFO operation to close a hole in her heart, and she was on medications, including statins, just to make sure she didn't end up with any issues in regards to high cholesterol. Around the same time as the operation there had been some associated depression, but nothing massively serious in that regard.
Sally spoke to our insurance advisor, and they discussed her family needs, her mortgage needs, and it ended up that the advisor recommended that she take out a level life and critical illness cover of £300,000 over 30 years, to roughly her anticipated retirement age.
So everything was fine, we put the application through to the insurer, and she was declined.
We spoke to the insurer, and explained the situation, we found out why there had been a decline, and there was concern, obviously, over the stroke, for the critical illness side of things, as to how Sally's health could be in the future. So what we were able to arrange was for a medical to happen so that Sally could go and show that she was in good health, and that everything was now hunky dory.
We are pleased to say that the insurer listened to that, and paid attention to the medical and how she'd had this operation to cure the hole in the heart, so a stroke in the future was very unlikely. And we were able to arrange the level life and critical illness cover of £300,000 for 30 years, for a monthly premium of £150.
Request a Callback
By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.
Talk to a Friendly Adviser
Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.
Get a Quote
Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.
The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.