Improving Efficiency Amid Coronavirus

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Insurers are having to be highly reactive to the risks that coronavirus presents. Even though we are a few months into the pandemic, that is very little time in the insurance world when it comes to making decisions. There is no long-term data for them to work on.

But, that doesn’t mean that decisions to close their doors to people with some health conditions is ok.

We are finding that some insurers are not accepting applications for insurance from people living with HIV, diabetes and things like Parkinson’s disease. There are also some cases where people that have been recovered from cancer and heart attacks for many years, are being refused cover.

This isn’t all insurers and there are still options for many people. The need to research the market fully to access insurance for people with health conditions, is more important than ever.

My latest comments are with the Financial Times Adviser here.

Categories: Cancer, Diabetes, Heart Attack, HIV, Parkinson’s disease

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."