What Is the Difference Between Life Insurance and Life Assurance?
When exploring options for financial protection, the terms "life insurance" and "life assurance" may come...
At The Insurance Surgery, we provide life insurance support for a whole variety of men with a range of unique needs and requirements. Trust us to find the perfect policy for you today.
A guide to life insurance for men.
As a man, securing comprehensive life insurance cover can be hard, especially if you are living with a pre-existing medical condition or working in a hazardous occupation.
Based in Macclesfield, Cheshire, England, our team of experienced professionals will work hard to find the best policy for you and handle the application from start to finish.
What Is Life Insurance for Men?
Life insurance for men offers your loved ones or beneficiaries a lump sum in return for monthly premiums following your untimely passing.
When seeking out policies, we ensure that they are tailored to meet the specific needs of the individual, whether that be a single dad of 3 or a self-employed builder with diabetes. Whatever your situation, we make it our mission to ensure that your family’s finances are protected in the event of your death.
Everyone has their own reasons for seeking life insurance, but you may depend on it to:
- Cover mortgage payments
- Replace your income
- Pay funeral costs
- Cover bills
- Pay outstanding debts
- Leave a lump sum for education/lifestyle
How Does Men’s Life Insurance Work?
At The Insurance Surgery, we work to support men of all backgrounds, regardless of their circumstances. Whether you want a lump sum to leave your loved ones or to help cover your mortgage, our experts will work closely with you to find the right life insurance solution.
We consider your medical history, current health status, and future goals to craft a comprehensive plan that gives you the peace of mind you deserve.
We understand that each person’s situation is different, so we explore a range of possible policies, including the following:
Life Insurance with Medical Conditions.
If you’re looking for life insurance with medical conditions, we can take that into account and seek out policies that you, specifically, are eligible for.
Occupational Life Insurance.
Potentially hazardous professions are common among men. We can find you occupational life insurance to offer you the security that you need.
Over 50s Life Insurance.
If you’re a father growing conscious of your age and keen to leave a lump sum to support your family, over-50s life insurance can offer the peace of mind you’re looking for.
Life Insurance for Dads.
Regardless of whether or not you’re the breadwinner or how many children you have, life insurance for dads can make protecting your family’s finances simple.
Term Life Insurance.
Term life insurance can cover you within a fixed period of time, meaning that your loved ones can get a payout if you pass away within that time frame.
Whole of Life Insurance.
As long as premiums are paid, whole of life insurance can provide complete financial security for your family for your entire life.
Why Choose Insurance Surgery?
We listen and Tailor Policies
Our advisers take the time to listen and understand your needs, medical history, and goals, ensuring that the life insurance policy we recommend is tailored to you.
Access to a range of Insurance Companies
Over 25 years, we have built strong relationships with leading insurance companies, giving us a better understanding of the application process. This knowledge enables us to quickly place individuals to the right insurer.
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How Much Does Men’s Life Insurance Cost?
The cost of life insurance for men can vary depending on several factors, including:
- Age
- Career
- Specific medical conditions
- The severity of the conditions
- Coverage amount desired
- Policy type (term life, whole life, or universal life insurance)
At The Insurance Surgery, we believe in complete transparency regarding pricing. During our initial consultation, we will provide you with a comprehensive overview of the potential costs associated with your life insurance coverage. We aim to help you understand the factors influencing the pricing and make an informed decision that aligns with your financial capabilities and protection needs.
The Cost of Life Insurance for Men.
Kai, who is married with two children, applied for a Level Life and Critical Illness Cover. He opted for a 40-year term with a sum assured of £56,000 for both life and critical illness cover.
Medical conditions:
- Anxiety
- Psoriasis
- Past alcohol dependency.
Family history:
- Father living with Type 2 Diabetes
Price Match Promise.
As an award-winning specialist Insurance Broker for those with medical conditions or dangerous occupations, we will never be beaten on price. Our Price Match Promise means we will find you the right cover for your personal circumstances at the lowest possible price.
Frequently Asked Questions
We answer your most frequently asked questions.
At The Insurance Surgery, we have extensive experience in securing life insurance cover for individuals with a wide variety of pre-existing medical issues, including but not limited to:
- Cardiovascular diseases
- Diabetes
- Cancer
- Respiratory conditions
- Neurological disorders
- Mental health conditions
Our team of pros will evaluate your medical history and propose the best coverage alternatives.
Our eligibility assessment process involves a comprehensive review of your medical records, current health status, and overall risk profile. We work closely with you to gather all necessary information and documentation, ensuring a thorough understanding of your circumstances.
Absolutely! We appreciate the opportunity to review your existing life insurance policy and explore whether we can provide a more comprehensive or cost-effective solution tailored to your current needs and medical conditions.
While we strive to provide comprehensive coverage, certain medical conditions may carry exclusions or limitations imposed by insurance companies. However, our expertise lies in finding creative solutions and working with insurers to minimise exclusions and ensure you receive the best coverage.
The duration of the application process can vary based on the intricacy of your medical record and the insurance company’s specific requirements. However, we pride ourselves on providing a streamlined and quick approach that ensures you get a prompt response and can secure coverage as quickly as possible.
Secure Your Future with Insurance Surgery
At The Insurance Surgery, we believe every man deserves life insurance cover, regardless of their medical history or occupation.
Take the first step towards peace of mind by contacting us today for a consultation. Our knowledgeable advisers are standing by, ready to guide you through the process and answer any questions.
Call us on 0800 083 2829 or click the button below to continue to get a quote online and let us help you obtain the life cover required.
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