Nobody can predict if or when a heart attack might strike. But what’s most important to know is that if it does happen, the protection your client bought is going to pay out when they need it most.

Most providers ask for detailed medical reports and evidence so they can assess whether a heart attack diagnosis is serious enough to meet their own criteria for paying a claim. This can cause delay and could result in no payout, with the outcome entirely in the hands of the insurer.

Our policy on heart attacks is simple – confirmation from a UK Consultant is all we need. If they say your client has had a heart attack, we pay out. Well, they’re the experts after all.

Spin the Wheel of Life and discover how our policies protect your clients, no matter what the future holds, at: adviser.guardian1821.co.uk/wheeloflife