There may be many reasons why you may have been declined life or critical illness cover.  Just because one insurer has declined you does not mean that others will too.  Each insurer has their own risk profiles so you may well fit with another provider.

Other insurance providers might be able to offer you life or critical illness cover but there may be certain limitations to the policy.  For instance, the insurer might offer you a ‘rated’ policy.  This is where cover is offered but at a higher than normal premium as the insurer feels that they are taking on a higher risk.  This is not personal.  You may want cover but the insurer feels that it is a higher risk for them.  You probaly want cover because you know you might be at risk.  Also, cover might be offered but there may be exclusions to the policy such as guaranteed insurability or a particular pre-existing condition.

If you have been declined life or critical illness cover please call us on 0870 080 2343 or use the quote form inputting as much information as possible to help us help you.