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Thread: Income protection insurance with high BMI and a Smoker

  1. #1
    Master
    Join Date
    Oct 2008
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    Oxfordshire
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    Income protection insurance with high BMI and a Smoker

    Hi guys,
    Yes I know I should be more healthy but last years divorce and Covid Kilos have left me severely overweight and back on the fags sadly.
    Iím in the process of buying a house now Iím single and am struggling to get cover. Does anyone have the same experience and if so can you recommend any companies to call?
    Iíve got an IFA looking at whole of market but any pointers (aside from lose weight and stop smoking) would be much appreciated please.

  2. #2
    Master
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    Mar 2006
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    West Norfolk
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    When I tried to buy a policy last year, no-one was selling one! Hopefully the situation is different now.

  3. #3
    Master
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    Dec 2014
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    My guess would be Covid has changed the market considerably ...
    Last edited by Montello; 13th May 2021 at 22:00.

  4. #4
    Master
    Join Date
    Feb 2013
    Location
    In the south
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    1,426
    If you have an IFA looking at the market then there isnít much more you can do. There are a limited number of providers although I canít see Covid making much difference.

  5. #5
    Master Red Steve's Avatar
    Join Date
    May 2008
    Location
    Sunny Bristol
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    3,989
    Quote Originally Posted by Kevin Glover View Post
    Hi guys,
    Yes I know I should be more healthy but last years divorce and Covid Kilos have left me severely overweight and back on the fags sadly.
    Iím in the process of buying a house now Iím single and am struggling to get cover. Does anyone have the same experience and if so can you recommend any companies to call?
    Iíve got an IFA looking at whole of market but any pointers (aside from lose weight and stop smoking) would be much appreciated please.

    PM sent re above.
    Regards,
    Steve.

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