Impaired risk underwriting is the way UK insurers assess applicants whose health, history or lifestyle falls outside standard “tick-box” criteria, for example, someone with a serious or complex medical history, multiple conditions, a disability, or a high-risk occupation. Instead of an instant automated decision, a specialist underwriter reviews the case individually, gathers

If you’re wondering if you can still get protection insurance after a stroke or a mini-stroke (TIA) in the UK, then the short answer is usually yes, but the type of cover, the terms and the price all depend on what kind of stroke you had, when you had it, and how

The short answer: Underwriting is how an insurer assesses your health and lifestyle to decide whether to offer you cover, and on what terms. If you have a pre-existing medical condition, underwriting usually leads to one of five outcomes; standard terms, a higher premium, an exclusion for the related condition, a postponed

Inheritance tax is a growing concern for many UK farmers and farming families. Family farms are often valuable because of land, property, machinery, livestock and business assets, but many farms do not hold large amounts of spare cash. This can create a serious problem. If inheritance tax becomes payable, the next generation