Mike is 52 years old and would like to purchase life cover. He underwent angioplasty two years ago and has since given up smoking and lost weight - he is now within his recommended body mass index and has had no further health problems. Only one of Mike's arteries was affected and the narrowing of his artery was considered mild. Mike is married, with one son and would like to purchase life cover of £100,000. What options are available?
Jason King, director at Life Policies Direct This is a case where detailed experience of different providers' underwriting approaches is essential. We would certainly pass this case through our special risks desk to ensure Mike obtains the best terms possible. A medical report will definitely be required from his GP to confirm the current situation. Before this is requested we would recommend Mike visits his GP to ensure up-to-date blood pressure and height/weight data is present on his medical records. This should prevent the underwriters from having to request a medical s...
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