- Client: Female
- Age: 59
- Smoker status: Non-smoker
- Medical condition: TIA and basal cell carcinoma (BCC)
- Cover date: 23rd September 2019
- Product type: Level life insurance
- Cover amount: £60,000
- Cover term: 7 years
- Premium: £22.37
We were approached by this lady on the 16th September 2019 when she completed an enquiry on our site. She explained that she was looking for £60,000 of cover for 7 years to cover the remainder of her mortgage. Our advisor Sam C then called her to further discuss her life insurance needs and her pre-existing medical conditions.
The lady explained that she has previously had a TIA and has suffered from basal cell carcinoma (BCC). Sam C took further details regarding her medical conditions and the lady disclosed that she had her TIA in 1997 and has been fully recovered from BCC for 10 months.
Due to the fact that she is fully recovered from BCC, and the fact that her TIA was over 20 years ago, Sam C was able to apply her to one of our main providers. On the 23rd September 2019, he secured her £60,000 of cover for a 7 year period for a monthly premium of £22.37.
This application would normally have needed a GP report and would therefore have taken a lot longer for it to have been completed. However, the lady had a letter from her GP confirming her health which meant that the insurers could bypass the GP report and speed up her application.
Overall, this is a great result as it was completed much faster than expected and for a great premium considering her pre-existing medical conditions and her age.
We are delighted with this outcome as she now has the cover that she previously may have struggled to get, and her and her family can have peace of mind that everything will be looked after if she was to pass away before paying off her mortgage.