Overcoming Medical Assessment Barriers to Secure Comprehensive Protection Insurance

What was the situation?

We were approached by a highly successful professional in their mid-30s seeking a comprehensive personal protection package, including life insurance, income protection, and critical illness cover.

Due to their high earnings, the client required significant cover (more than £12,000 per month in income protection) to ensure financial stability in the event they were unable to work for a prolonged period.

What was the issue?

When applying for high levels of cover, insurers often apply additional underwriting criteria, including medical assessments. In this case, one insurer requested a medical examination after the initial application was submitted.

Shortly after, a second insurer also required similar medical tests. Whilst these requests are standard at this level of cover, each insurer mandates their own independent assessments meaning duplicate tests cannot be avoided.

What was the process?

Following completion of the first set of medical tests, the client became reluctant to proceed with the second. Upon further discussion, we discovered that the client had a severe phobia of needles, making blood tests particularly distressing. This created a barrier to completing the full application process.

What was the solution?

We worked closely with both the client and the insurers to identify a practical solution. Once appropriate adjustments were made to accommodate the client’s concerns, they were able to complete the necessary assessments without undue stress.

The client was given a clean bill of health, with no medical disclosures required, and we were able to successfully arrange the full suite of protection policies at the levels initially requested.

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