Declined Twice Online, Accepted at Standard Rates
Based on a real case. Every personal detail has been changed.
The Situation
History of anxiety and antidepressants triggered automatic online declines.
What We Did and the Outcome
We approached specialist insurers with full context. The client secured £300,000 of life cover at standard rates with no exclusions. They had assumed they were permanently uninsurable.
“An automated decline is not a final answer. Specialist underwriting tells a very different story.”
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