Life Insurance for people with medical conditions
Introduction.
The classification of life insurance for people with serious medical conditions 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 impaired 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 and Lease GAP Insurance. 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. Click here for a free online insurance quote and immediate purchase. |
| 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 01207 509446 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 impaired life insurance that you need.