How to choose life insurance.
Life insurance is one of those topics that many of us prefer not to dwell on too much. However, ensuring that you have the right policy in place is a crucial aspect of financial planning. By overlooking life insurance, you leave your family at risk of becoming vulnerable to financial hardship if you were to […]
Does private health insurance cover cancer?
Private Medical Insurance (PMI) can offer valuable peace of mind, particularly for those facing health challenges like cancer. However, it’s essential to recognise that not all policies are created equal, and understanding the terms and conditions of your specific policy is crucial to making sure you have the cover you need when you need it. […]
Can you have more than one life insurance policy?
When you take out a mortgage or other significant financial arrangements are made, financial advisers may refer you to an insurance broker to consider life insurance. If this is the case, but you already have a policy in place, you might wonder whether it’s possible to amend or add to your life insurance cover to […]
HIV & Income Protection – Case Study
Name: Edward Age: 34 Occupation: Graphic Designer – Freelance Health Condition: HIV Edward, a talented graphic designer has been living with HIV for a number of years and has effectively managed his health condition through medical treatment and a healthy lifestyle. Edward’s initial efforts to obtain income protection cover were met with disappointment, as conventional […]
Stroke – Case Study
Jane was a healthy, vibrant 52-year-old when she suffered a stroke. After months of rehabilitation and therapy, she was almost back to feeling herself. The stroke left her with a high risk of stroke recurrence. Jane realised that your life can be turned upside down in a second, so she wanted to protect her family if the […]
Parkinson’s Disease – Case Study
Adam was diagnosed with Parkinson’s at the age of 26. At 26 years old, life was just starting to take shape for Adam. He had a great job, loving wife and beautiful daughter – with lots of plans for the future. But that all changed one day when he was diagnosed with Parkinson’s disease. It […]
What is an Index-linked Policy and is it Different to Standard Life Insurance?
An index-linked policy is a type of life insurance that is linked to the performance of a specific financial index, such as the Consumer Price Index (CPI) or the S&P 500. The value of the policy is tied to the performance of the index, and typically increases or decreases in line with this. The monthly premium for […]
High BMI, Migraines and Idiopathic Inter-cranial Hypertension – Case Study
Sarah was declined life Insurance before finding the Insurance Surgery. Background: Sarah is 40 years old, in her own words “my world consists of my husband and 3 beautiful children”. Life was great for the family, until Sarah’s mother got ill earlier this year. This brought home to Sarah the reality of her own mortality, […]
Idiopathic Angioedema – Case Study
Never Give Up, No Matter How Long It Takes. Rebecca was looking to buy her first home with her partner in 2020. To protect her partner, Rebecca wanted to get a life insurance policy in place. So, the online search began! Rebecca has an immune condition called Idiopathic Angioedema. This can trigger a severe allergic reaction […]
Type 2 Diabetes & Life Insurance – Case Study
Daniel was Diagnosed with Type 2 Diabetes at 53. At 53 Daniel was diagnosed with Type 2 Diabetes, due to his job as a bus driver Daniel found it hard to stay active and his BMI had increased over the years. In 2021 as soon as Daniel was diagnosed he contacted the Insurance Surgery and […]