What Should I Do if I’ve Been Declined Income Protection?

I applied for Income Protection a couple of years ago and got declined. I’ve been thinking about it again recently and wondered if it’s worth applying again?

Question asked by Lindsey Salt

The Value of Expert Advice

If you’ve been declined for an Income Protection Policy it’s best to seek guidance from an adviser.

Firstly, it would be helpful to understand the reason for your declined application. Some underwriters will decline an application for Income Protection if they feel like they need to place too many exclusions on the plan, whereas other underwriters can be more flexible with their decision and may offer cover.

The market for Income Protection is dynamic and changing all the time; for instance, it’s recently become a lot more possible to get Income Protection for those with type 2 diabetes.

While some insurers will decline diabetics outright when it comes to Income Protection, others will consider cover.

Get Advice…

All insurers will take different underwriting approaches and sometimes the cheapest insurer will apply the strictest underwriting. Therefore, it’s best to discuss your circumstances with an adviser who will be able to search the whole of market and potentially source cover.

At Drewberry we look at the entire UK market for Income Protection and all of our advisers are experts in their field. This means that they can often tell just by a description of your circumstances which insurer may be the most favourable for you and, if not, they can do extensive research to find you the right cover.

If Income Protection is truly not available from any insurers for you then there are still some alternative options to explore which will not require the same level of medical underwriting. Give us a call on 02084327333 to speak with an expert who can help.

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