Alcohol Change UK & The Insurance Surgery.
We are delighted to announce our partnership with Alcohol Change UK, a leading organisation dedicated to supporting individuals and families affected by alcohol-related challenges. Through this meaningful collaboration, we are committed to providing comprehensive support and education on securing a stable financial future.
Together, we aim to empower individuals with or without a history of alcohol-related conditions to explore their life insurance options. Our shared goal is to promote awareness, resilience, and growth, ensuring that everyone has access to the tools and resources necessary to safeguard their loved ones’ futures. With this partnership, we are taking a significant step towards fostering a community of understanding, compassion, and informed decision-making, ultimately paving the way for brighter tomorrows.
When you obtain a policy through us you will also be able to receive a 15% discount*, and a 10% donation will be made to Alcohol Change UK.
*15% relates to the percentage of commission a broker would normally receive when placing a life protection policy with an insurer.
Alcohol is a factor in more than 60 medical conditions.
Our advisers are trained to help with your unique circumstances.
In 2020 there was an 18.6% rise in alcohol-specific deaths.
What This Partnership Means To Us.
“We’re excited to work with Alcohol Change UK because we want to change people’s ideas about life insurance. Too many people think it’s not for them, too expensive, or they wouldn’t be accepted, but the truth is very different.”
“Risk is what life insurance is based on. The younger you are, the less you will have to pay for insurance. A 40-year life insurance policy could cost as little as £5 per month for someone in their 20s. Getting life insurance is a no-brainer if you’re in a long-term relationship or plan to start a family with your partner in the future.”
If you’ve had problems with drinking in the past, don’t think you can’t get life insurance. With our connections, we’re sure we can find the right insurance company for you. One that will always put your needs first and give you and your family peace of mind about money.” Andy Mellor, Managing Director
Severity of the condition
When you were first diagnosed with coarctation of the aorta
Your age
Whether your coarctation of the aorta has been treated surgically
Medications currently being taken
Family medical history
Whether you smoke
Any other related health complications such as heart disease
At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.
Critical Illness Cover
Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.
You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.
If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.
Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.
Income Protection Insurance
If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.
This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.
Case Studies & Life Insurance Information.
For more information on The Insurance Surgery and how we have helped others – check out our case studies and general alcohol dependency information below.
Amy’s mental health struggle and life Insurance journey.
Emily & John’s Journey through alcohol dependency and finding life insurance.
Information on life insurance & alcohol dependency.
Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.
Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.
However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.
At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.
