A client who had arranged a mortgage through Enness the previous year got in touch with me last month. He and his wife were both in their early thirties, and at the time of arranging their mortgage she had taken out life cover. He, however, had not, and was in the middle of a fairly serious health scare.
Alarmed by a persistent cough and slight chest pains, he had recently been to see his GP, who decided to send him in for tests. He wanted to talk through his options with me in case the GP’s suspicions were justified, and he was suffering from a heart condition.
Of course, no insurer would consider him while any medical investigation was ongoing. While we were waiting for a definite prognosis from his doctor, I looked into the types of cover available to him based on a number of different scenarios.
Thankfully, he was given the all-clear; but understandably, after having such a scare, he was keen to get comprehensive life and critical illness cover. His wife wanted the same.
My task was to consider which insurer would be the best fit for them, given their situation, as getting life cover after a health scare isn’t necessarily straight forward.