The number of people living with serious or multiple health conditions is increasing. Most people know someone who has been affected by a sudden disease or injury that changes everything – with conditions such as obesity, cancer or heart disease becoming more prevalent every year.

Our research report ‘An Unhealthy Situation’ surveyed 2,000 people, a quarter of whom had a serious medical condition. Many of these had no protection at all, highlighting a new kind of protection gap, as the table below illustrates:

Missed opportunity

Our research also shows that 30% of advisers don’t proactively advise on protection cases where the client has a serious medical condition. Many don’t feel confident in discussing their clients’ health, for fear of broaching sensitive subjects or being unintentionally offensive.

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.

Leaving it to chance no longer

At The Exeter, we’re committed to making protection accessible to all. 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:

  • NEW Real Life – cover designed for clients who may struggle to get cover as a result of serious or multiple health conditions.
  • Managed Life – responsive cover for clients with type 2 diabetes or a high BMI.

To read the An Unhealthy Situation report click here.

To learn more about life cover from The Exeter, 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