High risk health
insurance in the UK
Why is my
case non standard or impaired risk?
How much will the
service cost me?
The next step
High risk health insurance in the UK
Many people looking for life insurance in the UK believe they
may uninsurable due to problems with their health. Typically these include heart disease,
high blood pressure, raised cholesterol, diabetes, or perhaps a
tumour, kidney or liver disorder or mental illness.
Perhaps you already believe yourself
uninsurable through poor health and have self-excluded yourself?
If so, Protect Direct offers you another chance to obtain
competitively priced cover,
with the knowledge that your
health circumstances and needs will be taken into greater consideration.
Why is my case non standard or impaired risk?
High risk health insurance cases are non standard due to the financial underwriting
expertise required and the varying levels of Re-Assurance used by
different Insurance Companies.
Risk Placement Underwriting is the process we use to ensure that
you pay the lowest amount of premium for a given level and type of
assurance. Our aim is to measure the overall level of mortality
and morbidity and ensure your premium matches the reality of your
condition and that you are not unfairly rated.
In short we are financial tailors and we
create made to measure plans for those whose health quite simply
does not fit “off the peg” schemes.
How our approach differs
The most important evidence for underwriting will be your application.
This information will provide the Underwriters with
various details concerning risk. Traditionally, this is followed
by a multiple application process, where an individual application
must be completed for each different life insurance office - usually meaning
at least three or four different forms, three or four medical
reports to your Doctor and possibly the same number of
actual medical examinations.
Each provider will often ask if you are submitting simultaneous
applications to other providers - this may prejudice your chances.
This process is often flawed from the start because the selection
of life insurance providers will be short listed because they
offer the most competitive rates for standard business - not on their
However, it does not necessarily follow that these providers will
remain the most competitive for non-standard cases. You may also
not feel fully confident that the most competitive rate has been
obtained and that a standard rate driven approach is not the
correct approach for a non standard application.
This is a very long-winded process for individuals as they must wait
for separate responses from each life insurance provider - with no guarantee that the most competitive terms are offered. In
addition, there are significant medical, administrative and
personal costs involved for both the provider and the client, with
the prospect of multiple requests, medical data and even medical
examinations - all with no guarantee of cover at the end of the
How will Protect Direct help?
Protect Direct has designed a process to specifically reduce the
costs, complexity and time currently taken to place high risk
This means that only one application form
will need to
be completed and offers a greater chance that the most competitive
quotes are obtained from the chosen specialist panel and only one
medical report is sought for the panel.
This minimises the costs
and time involved for all parties, as well as providing peace of
mind for the individual that they have received the best cover
possible at the best price possible.
How much will this cost
Nothing. Protect Direct will
pass any costs incurred on to the successful life insurance
provider, including any underwriting and medical fees.
If you chose 'no win no fee' and we can’t place your business - there's no charge.
(NB. Our no win no fee service is
funded by the successful provider - but only if we
manage to place your case. We can also offer a fee based service
where we charge irrespective of the results.)
Our service is truly personal service
and we won't ask you to fill in any forms until we have discussed
your individual requirements and you decide to proceed.
So, simply complete the form on the
right of this page, provide us with your name and phone number and we'll call you
back at your convenience - at our cost.
Alternatively, email us at
firstname.lastname@example.org, or telephone us direct on 0800
587 7043 between 9.00am - 9.00pm, Monday to Friday.
(NB. Protect Direct Online is a trading