What's involved in the process?
What information is required to obtain a quotation
In order to offer a quotation we will need details of the cover you require, some basic information about you and information about your medical history. This information can be provided over the telephone with one of our representatives, who has been trained by The Stroke Association to understand the issues related to being a stroke survivor, or alternatively you can complete and return the Life Assurance Questionnaire (183 kb) 
The initial quotation
Once we have received details of the cover you require and your medical information, one of our representatives will then organise quotations for the cover you require from our panel of insurers based on your basic details. These quotations will not include any medical underwriting. Once we have the standard quotations we will then discuss your individual circumstances with the underwriters on our panel. The underwriters will then provide an indication of the medical loading. Once we have an indication of the medical loading we will then calculate the expected underwritten premiums, and make an informed decision about the most appropriate company to offer you cover.
We will then give you a call to discuss the outcome of our investigations including the indicative premium. We cannot guarantee cover or this premium, as the policy is subject to an application form and full medical underwriting.
Making an application
In order to proceed with your quotation, you will be required to complete an application form. We appreciate that this can be a time consuming process and with this in mind we are pleased to be able to offer you our telephone application service. If you would like to take advantage of our experience in completing these application forms, we will happily arrange a convenient appointment. This process takes approximately 20 minutes per applicant. We will then send you a copy of the application(s) along with any paperwork that requires a signature. Alternatively we can send a paper application form for you to complete.
Once your application is received, the Insurer will usually request a GP report from your Doctor (please note the Insurer will pay for the cost of the report).
Once the Insurer has all the required information they will then offer final acceptance terms. It is only at this stage that any premium and cover can be guaranteed.
We will keep you informed of the progress at every stage and our team is on hand to assist you through every stage of the process.
Whilst we cannot guarantee cover for everyone we promise you a sympathetic approach as we have an understanding of the issues related to being a stroke survivor and work with insurers to help you get the protection you need.
You are under no-obligation at any stage of this process and there is no cost involved to yourself for using The Stroke Association Insurance Services.
Supporting The Stroke Association
Buying an insurance policy from The Stroke Association Insurance Services could not only save you money but it also helps to raise valuable funds for The Stroke Association too, as a percentage of the commission earned will be donated to the charity at no additional cost to you.
The Stroke Association Insurance Services is a trading name of Heath Lambert Limited which is authorised and regulated by the Financial Services Authority. Registered Office: 133 Houndsditch, London EC3A 7AH. Registered Number: 1199129 England and Wales.
