The ability to actually obtain life insurance is unlikely to be affected by diving however there are a few things to consider which could affect the price. Scuba diving as an occupation and scuba diving for recreation can both be assessed by insurance companies in similar ways but they also have certain key differences. Recreational [...]

Life insurance for inheritance tax can help to ensure your next of kin receive the full value of your estate when you die. Nobody likes paying Tax but it is a fact of life and unfortunately it can also be a fact of death – in the form of Inheritance Tax (IHT) which, is why [...]

Advances in technology have led to pacemakers being developed that are extremely reliable and robust. So much so that some life insurance are more than happy to offer cover at standard rates. Many ailments and medical conditions can lead to a life insurance policy being ‘loaded’ or ‘rated’ because of underlying health issues. Depending on [...]

A large number of people in the UK are living with HIV and many are leading very normal lives. Many people with HIV have existing mortgages and family and so a need for life insurance exists. Until recently it has not been possible for people with HIV to obtain life insurance but that is no [...]

A stroke can radically affect someone’s life but it may still be possible to obtain life insurance after a stroke depending on the severity of the stroke and the after effects. Being the victim of a stroke is something that will immediately bring home just how vulnerable we all are and remind us of our own mortality. [...]

Just because someone has life insurance declined it does not necessarily mean they will be turned down by every insurer. The main reasons applicants have life insurance turned down or declined vary and can include: Existing medical conditions Family medical history Weight Drug / Alcohol Abuse High Risk Occupation The difficulty is each insurer will [...]

High net worth individuals or couples wishing to obtain greater than average sums of life insurance can do so but life insurance companies may require more in depth medical information before agreeing to offer cover. High value life insurance of say £500,000 to £1,000,000 or above is seen as more of a risk to a [...]

Life insurance for overweight people can sometimes be a struggle to find but with the right help it may still be possible to find competitive cover. Being overweight could potentially lead to health problems in later life and for this reason life insurance companies may charge more to provide cover to someone who is overweight [...]

Alcoholics and alcoholism is regarded my life insurance companies in a similar way to many ailments and illnesses. The severity of the alcoholism and how long a person has been an alcoholic will play a part in determining the cost and availability of cover. Confirmed alcoholics who are still drinking are unlikely to be offered [...]