Pulse Insurance is an award-winning specialist insurance business that offers life and protection products.  Pulse is able to place innovative and bespoke insurance not available in the standard market and can offer cover to both individuals and groups. Pulse Insurance is authorised by the FCA and is an approved Coverholder at Lloyd’s.

For more information visit www.pulse-insurance.co.uk

About Pulse

Pulse is a specialist protection insurance business offering life cover and income replacement to personal and corporate clients who are deemed non-standard risks. They are the 2016 winners of the Cover Excellence Award for Specialist Intermediary.

What are Pulse able to offer?

There are occasions when a client requires life cover but is unable to obtain this from any of the usual providers due to a medical condition, their occupation, their activities or their residency. In these circumstances, Pulse will look to place cover through specialist insurers such as Lloyd’s of London.  Pulse are also able to place cover for clients who are in relatively good health but require income replacement and are unable to obtain this from other markets due to their residency.

The following products are available through Pulse

• Term life cover for UK residents
• Term life cover for overseas clients subject to a maximum term of 10 years
• Income Replacement for overseas based clients

These products are available for both personal and corporate clients on an individual or group basis.

When should you use Pulse?

Examples of where Pulse have previously been able to assist include

• clients who have been declined cover due to medical reasons such as diabetes, heart conditions, cancer or transplant as well as complex combinations of conditions
• clients who have a high BMI, up to 60
• clients who are located in areas of conflict such as Iraq, Afghanistan, Libya and Sudan or have occupations such as security escorts, close protection and on-board marine security
• clients located offshore manning oil rigs, diving/exploration equipment and geologists

This is not an exhaustive list and individual cases can be discussed with Pulse to ascertain if they can help.

Process

Pulse should usually only be contacted where cover is unavailable from standard protection providers.

When this is the case Pulse can be contacted on 01280 841430 or at admin@pulse-insurance.co.uk

Fees

Advisers will receive a percentage of the commission that Pulse receive. Generally, commissions are paid quarterly on a non-indemnity basis for the duration of the policy and are split between Pulse and the adviser. On business placed with Lloyd’s, commission to TRM advisers is usually 12.5% of the monthly premium for both individual and group business.