Premium Basis

When an insurance company calculates the cost of life cover, a number of factors are taken into account, including:

• your sex
• age
• occupation
• smoker status
• health, both current and historical
• term of the policy
• what optional extras are included

We have a wealth of experience in dealing with insurance companies, and have learnt where one is more flexible than another (e.g. when considering any historical or current medical conditions). If you have any concerns about obtaining cover, or would like us to discuss your circumstances with any potential insurers in advance of submitting an application, please contact us using the link below