If you have or have had a medical condition, there is a high probability that you will have problems with acceptance when applying for life insurance. It may even be that regular insurers do not want to accept you or set an excessive premium. Fortunately, there are providers who can help you via a so-called customised route. How does such a customised route work and what does it mean for you?
Do you have a medical condition or have you been ill? In that case, before you submit an application for life insurance, you should first inquire with which party it would be best to take out the insurance. If you choose an insurer, proxy or intermediary with customised routes for people with a higher medical risk, then you are much more likely to be able to take out good insurance. Have you already been rejected by another insurer? Then it is good idea to find out which parties offer customised routes. DH Reinsurance is a reinsurer and works with a number of partners to increase the insurability of people with a medical condition.
If there is an increased medical risk, the chance that you can take out insurance via a customised route is many times greater than it is via the “normal” route. If there is customisation, your file will be personally assessed. Regular (re)insurers usually use manuals, in which the premiums for each medical condition are fixed. DH Reinsurance believes that every client is unique. By looking directly at the client’s file, we often can give a lower estimate than the one based on the manuals of the (re)insurance companies.
Your application will be forwarded to DH Reinsurance with your application form and your medical file. The medical acceptor of DH Reinsurance sends your medical file to one of DH Reinsurance’s medical advisors. He will assess your file and then one of three situations will arise:
In all cases:
If you’d like to know more about our procedure and customised routes, please contact us.