Coarctation of the Aorta
Case Study 1
- Client: Female
- Age: 35
- Smoker status: non-smoker
- Medical condition: Coarctation of the aorta
- Cover date: 9th May 2019
- Product type: Level Term Life insurance
- Cover amount: £175,000
- Cover term: 20 years
- Premium: £20.66
We were approached by this lady on the 14th March 2019 when she completed an enquiry through our website. Our advisor Dan then contacted her to discuss her life insurance needs and her pre-existing medical conditions. At this point she disclosed that she was looking for £175,000 of life cover for 20 years to leave to her dependents should she pass away within that time, and that she was a non-smoker with a heart condition – coarctation of the aorta. She had tried to arrange cover herself but had unfortunately been declined by the providers she approached. Dan then took her information and applied to one of our mainstream providers, securing her £175,000 of cover for 20 years for a monthly premium of £20.66 on the 9th May 2019. There was a delay from her initial application to her cover being accepted due to the fact that the providers asked for a doctor’s report to assess the details around her condition. When a provider asks for a doctor’s report, this can take around 4-6 weeks to be completed (or longer in some cases); which is simply due to the fact that GPs are very busy. Therefore, the wait is actually fairly reasonable.
This is a really good premium given her medical history, and the fact that heart issues can be one of the more challenging conditions for clients to successfully be accepted for cover. Furthermore, the lady was very pleased with the result as she now has peace of mind that her family are protected should anything happen to her within the term of the policy.
Overall, this is a fantastic premium well within the lady’s budget and she was delighted to have been accepted by one of our mainstream providers. We were also over the moon to know that another customer now has the protection that they may have thought was impossible to get. We love helping people get cover and we want to help as many people as we can to do this.
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