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 was given a dedicated Protection Adviser. Megan would handle his life insurance enquiry from start to finish, this was so Daniel would never have to repeat the information he provided. Additionally, it is to ensure that we get to know each customer personally to understand their core needs for financial security.

At the time of Daniel’s life insurance enquiry, he was smoking 10 cigarettes a day and his diet consisted of a lot of fast food, which meant he weighed 17 stone at the time.

Smoking is costly; It’s important to remember, that when looking for a life insurance policy, smoking will increase a premium dramatically – due to the increased risk of cancer and other medical conditions smoking is related to.

However, even with Daniel’s medical history, high BMI and smoking status – Megan sourced Daniel a suitable policy that he was happy with and suited to his current circumstances. The monthly premium that Daniel was paying was high, so Megan advised Daniel that it would be possible to reduce this by quitting smoking and improving his health. Daniel was determined to save money, and Megan arranged a call in a year to check on Daniel and his progress!

Review Your Life Insurance Policy Annually:

This is because insurance underwriting is always changing and evolving, and by reviewing your life insurance policy annually, you can add new cover options, adjust your policy to align with changing circumstances, and ensure that you continue to benefit from the most competitive rates and optimal cover tailored to your evolving needs.

Added Benefits to Life Insurance:

Daniel in the meantime was working hard to get his Type 2 Diabetes into remission and to stop smoking. With the help of the Gro Health app which has helped 1 in 4 users* with Type 2 Diabetes remission. Daniel had made an impressional difference to his health.

Gro Health App: The Insurance Surgery offer the Gro Health App for free when you take out a life insurance policy with us.

In 2022, as promised Megan called Daniel to check on his progress with his diet and quitting smoking. Megan had built a good rapport with Daniel and was over the moon when he not only confirmed that he had successfully stopped smoking but also shared the fantastic news that his Type 2 Diabetes was now in remission thanks to the support provided by the Insurance Surgery and the Gro Health app! This marked a significant milestone in Daniel’s health journey and reinforced the positive impact of The Insurance Surgery’s ongoing support and personalised care.

Within 2 hours, Daniel had halved his premium:

Megan took all the new information from Daniel about his health improvements and started to complete the new life insurance application. Within 2 hours Megan had found Daniel a better policy that provided additional benefits such as a 24/7 online GP service and was half the price of his previous monthly premium! Megan was able to reduce Daniel’s £80.26 a month premium to just £40.83 per month.

The impact of getting your policy reviewed regularly if you have stopped smoking or improved your diet could halve your life insurance premiums.

For more information on The Insurance Surgery click here.

*Outcomes of a Digitally Delivered Low-Carbohydrate Type 2 Diabetes Self-Management Program: 1-Year Results of a Single-Arm Longitudinal Study https://diabetes.jmir.org/2018/3/e12/