High-Risk Job, Still Got Full Cover
Based on a real case. Every personal detail has been changed.
The Situation
A client working in a hazardous occupation had been told by a comparison site that cover wasn't available at standard rates.
What We Did and the Outcome
We identified insurers who specialise in non-standard occupations and secured life cover with an agreed occupational loading that was significantly lower than the client had expected. Income protection was also arranged on an own occupation basis.
“Hazardous occupations rarely mean uninsurable. They mean you need an adviser who knows the right insurers to approach.”
More Case Studies
Details changed for confidentiality
Extreme Sports as a Hobby, Cover Still Arranged
A client who participated in a hazardous sport as a regular hobby had been quoted extremely high premiums or faced exclusions related to the activity.
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Declined Twice Online, Accepted at Standard Rates
History of anxiety and antidepressants triggered automatic online declines.
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No Sick Pay, No Safety Net, Until Now
A sole trader with variable income assumed income protection wasn't available or affordable.
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