Yorkshire broker Cura Financial Services has launched a referral service for advisers looking to place impaired life cases, for customers in a worse physical condition than is typically required by insurers.
Cura wants advisers with difficult to place cases to phone or email them to discuss the client’s details, with them paying the introducing adviser a fee.
Kathryn Knowles, head of marketing at Cura, said: “We specialise in getting cover in place for impaired lives.
“We prefer to say quirky or hard to place cases to describe high risk individuals that insurance companies might decline or apply an underwriting rating to.
“We’re now ready to offer our expertise to other advisers. If they’re finding it difficult to place a case we’ve introduced a straightforward process to help them”
She added: “Advisers are busy and the protection application process is long enough without the added complication of health issues or hazardous occupations or hobbies.”