Impaired Lives

Approximately 1 in 10 people will fall into the category whereby an insurer will not accept them for a policy based upon standard terms for life insurance and critical illness cover.

So, who is the best insurer for a specific illness or occupation? Where would you go to find out? Most advisers simply walk away from these types of clients because they don’t have the knowledge or expertise to handle the research and subsequent administrative burden associated with processing these types of applications.

We will put you in contact with specialists in Protection Insurance and General Assurance products for prospects with Pre-existing Medical Conditions, Impaired Health Family History and people in High Risk Occupations or those involved in dangerous Hobbies, Pastime or Sports.

Our professional consultants have an extensive knowledge of medical underwriting. They have access to specialist companies and techniques that may offer cover when the main insurers cannot which allows us to make a very special price promise. If you suffer from a pre existing medical condition, we will guarantee to present you with £40 of high street vouchers if we don’t find the cheapest life insurance quotation on the market.

Your Mortgage Options LLP is authorised and regulated by the Financial Services Authority for regulated mortgage contracts and non-investment insurance contracts.

We offer products from a range of insurers for home insurance, term assurance and critical illness protection. We only offer products from a limited number of insurers for mortgage payment protection insurance. Ask us for a list of the companies and products we offer.

We will advise and make a recommendation for you for life and critical illness insurance after we have assessed your needs. You will not receive advice or a recommendation from us for home insurance or mortgage payment protection. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We do not charge a fee for any non-investment insurance contracts. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.