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

Online Quote & Apply
22/09/2025
7 mins

The Value of Specialist Advice

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

Firstly, you need to understand the reason for your refused application. Some underwriters will decline if they think they’d need to place too many exclusions on the plan, whereas other underwriters can be more flexible with their decision.

The Income Protection market is dynamic and changes all the time. For instance, it’s recently become possible for people with Type 2 diabetes to get cover, where previously it was difficult. Some insurers will decline diabetics outright, however, which is why it’s best to get specialist advice.

Getting Income Protection Advice After Refusal

Each insurer will take a different approach to underwriting, and sometimes the cheapest insurer will apply the strictest underwriting. Therefore, it’s best to discuss your circumstances with an adviser who’ll be able to search the wider market to find a suitable policy.

At Drewberry, we look at the entire UK market for Income Protection and all of our advisers are specialists 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 you’re truly not eligible for Income Protection, there are some alternative options which don’t require the same level of medical underwriting. Give us a call on 02084327333 or email help@drewberry.co.uk to speak with a specialist.

Why Speak to Us?

We started Drewberry™ because we were tired of being treated like a number.

We all deserve a first class service when it comes to issues as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

Contact Us

Head Office
7th Floor Corn Exchange
55 Mark Lane
London
EC3R 7NE
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry is a trading name of Brown & Brown Health and Employee Benefits Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 312878. Registered in England and Wales (company number 3910149). Registered address: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE.

Cookies

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies including for ad personalization.

If you would like to know more about cookies and how to manage them please view our privacy & cookie policy.

Deny
Approve