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Your Life Protected is an independent brokerage which specialises in securing Life Insurance policies for people who have pre-existing medical conditions.
We deal with all of the major Life Insurance companies in the UK as well as a number of specialist organisations. As we are experts in securing policies for people with pre-existing medical conditions, we have a great understanding of different insurers’ underwriting procedures and which providers will be most sympathetic to a specific situation.
Our staff have a wealth of knowledge about this specific area of the insurance market and the associated underwriting procedures. We are able to assess a specific medical history very quickly and give a view of the best and worst case scenario for the cover being sought.
In many cases where there is a pre-existing medical condition, a referral from a Doctor will be sought. We are able to help our clients manage this process quickly and easily to ensure that cover can be put in place as quickly as possible. It is important to note that any information provided by a Doctor will not be made available to us – it is only viewed by the underwriting team at the insurer.
In addition to stand-alone Life Insurance, we also provide policies for Critical Illness Cover, Income Protection, Mortgage Protection/ Decreasing Term Assurance and Gift Inter Vivos plans.
We find that many of our customers with pre-existing medical conditions had previously been sold Life Insurance and were paying excessively high premiums. Due to our focussed expertise and our access to some of the best rates on the market, we have been able to get customers identical policies with huge savings.
Our customers sign their insurance policies directly with the insurance companies. Our role is to help them identify the most beneficial policy for their needs and to assist in resolving any issues which arise. Unlike some brokers, we do not charge our customers for our services.
We have an on-going commitment to our customers and are available to discuss questions regarding their policy or changes in requirements. We also regularly review the market for our customers and advise them if they can get the required level of cover more economically.
Please contact us if you would like to discuss a new policy or if you want to see how much you can save on an existing plan. Our experienced team do not use any high-pressure sales techniques and will be happy to review your requirements with absolutely no obligation.
Call our UK Team
"I regard myself as a very active and healthy individual, and so was very surprised to find previous quotes (around £25.00 per month) so overly inflated from the standard persons cover. Mike Derham promptly picked up my email query and was courteously sympathetic towards my situation. Without making any promises he quickly reassured me that there should be much better offers available in the market, and kept me regularly updated with the progress of any applications he made on my behalf. Having already spent a fair amount of time filling out forms for various different applications I was pleasantly surprised when it became clear there was very little I needed to do from my end until a new provider had been identified. As it transpired, Mike found me a brilliant deal - not only bettering my previous best quote, but bringing it down by over 50%. Now I am paying almost £15.00-per-month less than what I would've with the other insurer, which will save me around £170 per year! Furthermore, after a brief hold-up on the insurers part in getting the required documentation out to me, my first month's charges were waived as a result of the inconvenience, after Mike flagged this up with them directly. I can't recommend YourLifeProtected enough to anyone that feels they aren't getting a fair deal when it comes to cover. They not only restored my faith in the insurance industry, but also left me feeling extremely satisfied - and without costing me a single penny!"
Paul Bailey from Woolwich
The service I received from 'Your life protected' was excellent. I have T1 prostate cancer and they were able to find life insurance at a very good price. I was impressed with the relatively short time it took to get the policy implemented. Most importantly Mike analysed my situation and came up with the correct policy for my needs. He identified an underwriter who would provide cover at an early stage so there was no indecision or postponement of a decision. He also kept me aware of progress on the application which was very reassuring.
Bob Thompson from Newcastle-Upon-Tyne