Nobody to turn to?

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Protection can be a necessity for some clients, yet they find themselves declined by mainstream insurers. Roger Hillier explains impaired health policies

The downturn in the mortgage market and changing economic forces is having an adverse impact on the protection market. There is however an overlooked market sector that may be less vulnerable to decline and which can offer significant opportunities for intermediaries. This is the sector that offers protection to customers typically declined by mainstream providers. When a customer is declined for life insurance by a such a provider, many people assume that cover is not available anywhere. However, this is not always the case because there are product providers that specialise in assessing...

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