Answered by Sam Barr-Worsfold
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.
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.
If Income Protection is not available from any insurers there are some alternative options to explore which will not require the same level of medical underwriting, give us a call on 01273 646 484 to speak with an expert who can help.
Frequently Asked Income Protection Insurance Questions
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