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Life Insurance Information
This section of the website provides information about life insurance including cover for people with medical conditions, hazardous occupations or specialist circumstances and offers the opportunity to request advice from qualified, regulated advisers who will be able to answer your questions. Specialist advisers have experience in finding life insurance for people who may not fit the standard model.
Declined Life Insurance – Turned Down for Life Cover
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 assess different situations and circumstances in different ways.
Applying directly to one insurer without knowing how they view specific circumstances or conditions may result in a policy being ‘loaded’ (which means increasing the price) or turned down or declined.
If an applicant has been turned down or declined it does not mean they will be turned down by every insurer and so it is possible to apply to other life insurance companies.
By speaking with a specialist adviser who has access to the whole of the market and the ability to discuss a specific case with insurance underwriters, to establish how the case will be viewed, can increase the chances of being accepted for life insurance.
Creditmarket.co.uk does not offer advice directly, we put you in contact with helpful, qualified, experienced advisers who can help with Declined Life Insurance – Turned Down for Life Cover . They will introduce themselves to you and tell you how they can help before you decide if you want to make use of their services.
Through our partnerships we have access to a wide range of leading life insurance providers including some of the best known life insurance companies in the UK such as Aviva, PruProtect, Bright Grey, Bupa Scottish Equitable, Scottish Provident, Axa, Liverpool Victoria, Zurich, Ageas (the new name for Fortis), Friends Provident and more including specialist insurers that can offer cover outside the scope of other providers.
The advisors are highly trained, fully qualified, experienced, fast and friendly and always authorised and regulated by the Financial Services Authority.
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