Life Insurance for people with medical conditions

Introduction.

The classification of life insurance for people with serious medical conditions such as diabetes, heart attacks or been a patient with open heart surgery, strokes is also known as 'Impaired Risk Life Insurance'. Because of its nature this form of Life insurance is not as readily available in the market, however insurance brokers are able in many cases to quote and arrange policies for people with medical conditions.  

People with medical conditions do need life insurance and this why companies have been formed specialising in providing cover for people with medical conditions. B. Portwood & Co are not themselves specialists in this life insurance market but we have teamed up with Heath Lambert (one of the largest brokers in the UK) who do have the facility to provide cheap rates - as they can do with one of our travel policies. (Here is the life insurance quote form).

The information below has been provided by Heath Lambert under their trading name 'Unique'.

Medical Conditions and Life Insurance

For people living with medical conditions finding the right insurance protection can often be difficult. Unique has developed life assurance products that provide comprehensive cover for those living with a medical condition(s).

We do the shopping around for you, allowing you to benefit from the best assurance deals, without the hassle, while ensuring you get the protection you need by using the services of top insurers.

Life assurance

We have a team of specialists who are on hand to assist you through every stage of the purchase of your life assurance policy and we offer the following products:

·         level term assurance

·         decreasing term assurance

·         critical illness

·         family income benefit

How to obtain a quote

Either

download and complete our fact find questionnaire (doc format) before returning it to us by email at portwoodlife@heathlambert.com or by fax on 01603 625230. From your answers to the questions on this form, we will be able to assess your individual needs and requirements in order to provide you with an indication of a possible life assurance quotation.

Or

Call Heath Lambert on 01603 828232 quoting ref 'Portwood'

Opening hours: 8:30am - 6pm weekdays, 9am - 1pm Saturday.

If we are successful in obtaining an indicative quote and you would then like to proceed with your application, you will be asked to complete a full proposal form, which will be sent to you, in order that we can issue a tailor-made impaired life insurance quotation.

Unique is a trading name of Heath Lambert Limited which is authorised and regulated by the Financial Services Authority. Registered Office: 133 Houndsditch, London EC3A 7AH. Registered Number: 1199129 England and Wales. December 2007.

Other Products

B. Portwood & Co Ltd offer a wide range of other insurance products suitable for personal and commercial needs. Examples of risk we can cover.

• Car Insurance: Not only normal car insurance but also anything else related e.g. breakdown, warranty, GAP (all sorts - Finance, Return To Invoice, Lease and Early Termination). Click here for further information on the policies we offer.
• House and home: As well as Buildings and Contents Insurance, we offer such extras as home emergency cover, caravan, boats and small craft, legal expenses - and we also can quote for non-standard e.g. previous claims/ subsidence as well as unoccupied and buy to let property. More details on the policies available are found here.
• Travel - you have probably found this page from our travel quotation system, but if you have not, then please note we can offer a full range of policies - single and annual trip, family holiday, long stay and people with medical conditions. We have no effective upper age limit and offer annual policies for people up to 85 our travel insurance for over 65, backpacker and long stay is available here.
• Mortgage and Income Protection Insurance: This is mentioned because we offer very competitive rates, however it is likely that you may not qualify either due to age or to the fact that you have pre-existing medical conditions which would be excluded. Nevertheless - if you want further information about these insurance products then click on this link.

B. Portwood & Co Ltd, Insurance Brokers, 44 Medomsley Road, Consett, Co Durham. DH8 5HA Tel 0844 8262617 are authorised and regulated by the Financial Services Authority for the administration and arrangement of non-investment insurance products. 

We hope that we can assist you in obtaining the form of life insurance that you need.

If you are a landlord or need buy to let insurance then our landlord and buy to let insurance page can help you obtain online quotes.