There are 15 million people in England living with a long-term health condition and NHS England expects this figure will increase over the next ten years[1]. A long-term health condition is defined as a health problem that can’t be cured, but can be treated with medication or therapies, for example, diabetes or high blood pressure.
But there is still a perception that people with long-term health conditions can’t get life cover.
At The Exeter, we offer two policies specifically for hard to insure clients:
- Real Life – is designed for clients who may struggle to get cover as a result of serious or multiple health conditions – a segment often referred to as impaired lives. This includes people living with a serious condition such as cancer, MS, type 1 diabetes, a BMI over 48, HIV, complex heart conditions, or those who may have been declined cover in the past.
- Managed Life – is responsive cover for clients with type 2 diabetes or a high BMI. With Managed Life, your clients can receive reduced premiums for positive management of their health.
An adviser’s story of covering a client with long-term health problems
An adviser shared his experience of using The Exeter to get life cover for a client. ‘I have a good friend who suffers from a long-term health condition. she believed she wouldn’t be able to get any life cover due to her medical history. She had been already declined by several providers. I hadn’t used The Exeter and I decided to try them for my friend. I was impressed by how smooth the process was considering my friend’s complex medical history. She was not only accepted, but on risk quickly and efficiently. To say my friend was happy is an understatement!’
You can read the full story here.
To learn more about life cover from The Exeter, visit www.the-exeter.com/life-cover or to begin working with us, please call the Exeter sales team on 0300 123 3207 or email us at sales@the-exeter.com.
[1] https://www.gov.uk/government/publications/2010-to-2015-government-policy-long-term-health-conditions/2010-to-2015-government-policy-long-term-health-conditions
