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High Cholesterol Life Insurance

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High Cholesterol Life Insurance

 

Case Study 1

  • Client: Male
  • Age: 43
  • Smoker status: Non-smoker
  • Medical condition: Type 2 diabetes, high blood pressure and high cholesterol
  • Cover date: June 2019
  • Product type: Increasing life insurance
  • Cover amount: £200,000
  • Cover term: 25 years
  • Premium: £36.68

We were approached by this gentleman on the 23rd April when he completed an enquiry through diabetes.co.uk. Our advisor Suzie then got in contact with him to discuss his life insurance needs and his pre-existing medical conditions. At this point he confirmed that he was looking for £200,000 over a 25-year period to cover his mortgage and to leave something behind for his family. He then went on to explain that he was a type 2 diabetic with high blood pressure, high cholesterol and had previously had bowel polyps removed. Suzie then took this information and applied the gentleman to one of our mainstream providers and managed to secure him £200,000 of life insurance cover for a 25-year period for a monthly premium of £36.68. This is an amazing premium considering the gentleman’s medical history and the amount of cover he wanted. Overall, the he was very pleased that we were able to find him cover at a price that he could afford as he now has peace of mind that his mortgage and family will be protected should he pass away unexpectedly.

As a whole, we were delighted that we were able to get protection for another customer, so that he now knows that he is covered should the worst happen. It is a great feeling when we find cover for a customer, especially if they have been struggling due to a pre-existing medical condition. We are passionate about protecting families and we want to help as many people as possible to get covered.

Case Study 2

  • Client: Male
  • Age: 48
  • Smoker status: Non-smoker
  • Medical condition: MS, Type 2 Diabetes and raised cholesterol
  • Cover date: 30th April 2019
  • Product type: Life Cover
  • Cover amount: £50,000
  • Cover term: 20 years
  • Premium: £38.64

We were approached by this gentleman on the 24th April 2019 when he completed an enquiry through our site. Our advisor Greg then received his enquiry and got in touch with the gentlemen to discuss his life insurance needs and his pre-existing medical conditions. At this point he disclosed that he was looking for £100,000 of cover over 20 years, and that he has mild MS, type 2 diabetes and raised cholesterol which he takes medication for. Greg then took this information and researched the best provider for him. He then contacted the gentleman with some quotes, however unfortunately, due to the combination of MS and type 2 diabetes, the premiums for £100,000 of cover were out of the gentleman’s budget, so he decided to reduce the cover amount to £50,000. Therefore, on the 30th April 2019 Greg managed to secure the gentleman £50,000 of cover over 20 years for a monthly premium of £38.64. This is an amazing premium considering the fact that MS and type 2 diabetes add a significant loading onto the premium, as well as the added risk of raised cholesterol.

Overall, we were overjoyed with the outcome as the gentleman now has the peace of mind that if he were to pass away, his family would be protected. The gentleman was also pleased with the result as he now has the protection that he previously did not have, and he has peace of mind that his family are protected.

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