Specialist life assurance intermediary Risk Placement Services - RPS, gives the top ten reasons why you may not be able to obtain standard terms for life insurance:-
Have experienced high blood pressure
Past experience of serious health problems of heart or cancer
Family history of adverse health
Current health problems, though not immediately life threatening
Occupation is considered higher risk e.g oil rig worker
Hobbies are considered higher risk e.g. mountaineering, private flying
Work for a period each year in parts of the world regarded as high risk
Permanently live abroad and cannot obtain UK life cover.
Mike Hosie, Managing Director of RPS says, "If a person fits one of the above descriptions, some companies may rate them, or worse decline the application altogether. RPS, with its leading panel of life insurance companies, is ideally positioned to assist in placing such non-standard cases. "
RPS, is the on-line specialist that helps to find special risk and impaired life insurance products.
Health and life insurance : News update: January 2007