Covid, Long Covid and Life Insurance

Pulse has a reputation for underwriting Life and other insurance protection covers that the standard market is unable to offer.This is vividly illustrated by our stance during the pandemic, where we found that the company market were restricting their Extra Mortality ( EM) loads to +200% and declining any client who were in the NHS higher risk group or above. We have been able to step in and working alongside our reinsurer provide cover for these vulnerable clients.

We continue to provide Life Assurance for up to 10 years, including Covid.

Examples of instances where we have been able to offer acceptance terms include:

  1. BMI in excess of 45 which would otherwise be declined as the EM load is greater than +200%
  2. Heart defects such as Transposition of the great arteries, Tetralogy of Fallot and Long QT Syndrome, ARVC and Brugada Syndrome
  3. Cardiomyopathies
  4. Mild and moderate Cystic Fibrosis and mild COPD
  5. Diabetics with or without complications
  6. Coronary heart disease
  7. Renal and liver transplants

Since March 2020 we have accepted and hold on risk approaching 200 policies for clients having medical histories including those mentioned above, covering a total sum assured of approximately £34M.  The Sums Assured are typically close to £225,000 per life. But we can and do provide significantly greater Sums Assured.

Everything that we do is bespoke. We do not have a tariff and every one of these cases has been assessed on its own individual merits by our in house and reinsurance underwriters with input from medical officers

Life Insurance and Long Covid

Latest reports on Covid infection rates give reason to be cautiously optimistic. But Long Covid remains a challenge.

Thankfully the majority of covid patients make a full recovery from the virus but unfortunately there are those who feel the impact for a significant amount of time with the symptoms lingering for weeks or months beyond infection. According to experts between 10 – 30% of people who catch the virus can be affected by long covid to differing degrees.

There are websites which offer support and information such as:



Age UK

Access to life insurance cover may be problematic at this time for life insurance applicants with Long Covid. However, terms may be available depending on the nature and severity of the ongoing long-covid symptoms. Conditions including cardiac or respiratory problems make the provision of life cover more challenging. But here, at Pulse, we are pleased to treat each potential customer as an individual and review the symptoms and medical history on a case-by-case basis as we understand that long-covid symptoms are wide ranging and diverse and cannot be slotted into one box. Wherever possible we will offer terms. The term will be limited to 10 years. Hopefully well within that time frame treatments and measures to prevent the development on Long Covid will have made good progress. The Times recently carried an encouraging article about the use, by German doctors, of an experimental heart drug to cure Long Covid.

Whilst we cannot provide cover for every applicant that contacts us we will always do our very best to help.

For more information or to request a quote, please contact our team: [email protected] or call 01280 841430

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