Life cover for hard to insure clients – a time to revisit your clients needs
You know how important it is for your clients to have adequate life cover in place to protect their family’s financial future. Most insurers only build cover targeted at healthy lives, meaning that those who may need it most could miss out. We decided to do something about it.
Our An Unhealthy Situation report showed that 30% of advisers don’t proactively advise on protection cases where the client has a serious medical condition.
Leaving it to chance no longer
At The Exeter, we’re committed to making protection more accessible. Our life cover has been extended to cover clients who may have been refused in the past, and with the improved online quotation system, it couldn’t be a better time to discuss protection options with your clients.
We offer policies with a key difference, each is designed specifically for hard to insure clients.
Managed Life is responsive cover for clients with type 2 diabetes or a high BMI.
Real Life is unique cover designed for clients who have suffered either serious or multiple health conditions, such as:
- Cancer
- Type 1 diabetes
- A BMI above 55
- Complex heart conditions
- Multiple conditions.
For this growing section of your client base, this is an opportunity to revisit and approach those who may have been discounted from cover in the past. By working together, we can make it a healthy market for everyone.
To learn more about life cover for hard to insure clients click here, and to read the An Unhealthy Situation report click here.
To find out more and to begin working with an award-winning insurer, why not organise a webinar or meeting with The Exeter sales team on 0300 123 3207 or email us at sales@the-exeter.com
