Declined Life and Critical Illness Cover

GBNI

Thanks to all for your help. I am going to phone Aviva when I get home (left the letter at home!) and see if they'll do what you suggest kingstreet.

I will also go and see a broker for further options.

opinions4u

Products specifically tailored for a bank often have limited flexibility on underwriting.

They can be a one size fits all approach - take on the masses where there's no risk and pocket the profit. As you've discovered, we're all different!

The suggestions above should help you.

kingstreet

Not to mention, insurers operate dual pricing, so the same product from a bank or building society can have higher premiums in the first place, to meet the higher commission payments to the introducer.

If you are "loaded" with an increased premium, it's a bigger loading as the initial premium is higher.

If you seek out Independent Financial Advice, you'll get the best chance of cover, at the best price.

I assume from your name you're in NI. "stephenni" is a N Ireland based IFA, off the top of my head. It might be worth a PM to him to see if he can help.

GBNI

Thanks Kingstreet, you are indeed correct about NI so I shall PM him and see if he can help.