Pulse specialises in finding life assurance for those customers who do not currently qualify for life assurance with mainstream protection providers because of the nature or location of their work.
This can include ex-services personnel who now operate in the security industry in areas on conflict such as Iraq, Afghanistan or the Somali coast.
Pulse can provide full life assurance through a combination of term life assurance and personal accident insurance. The combination of the two elements of cover provides Pulse with risk indications from two separate underwriters.
The first provides Term Life Assurance, unless death is caused by accident or bodily injury. To cover this potential shortfall, the second insurer provides Personal Accident Insurance, which includes Accidental Death within the range of events covered. The two covers do not have to be taken out together however, one or both can be bought depending on the client’s specific needs.
Toni Smith, sales operations director of First Complete, said:
“There are some people’s whose jobs make them so high risk that most insurers will not insure them. This can have a hugely detrimental effect both on them and on their families should the worst happen. Pulse helps us to provide a solution for brokers who have clients in these circumstances. It will provide another option to help ensure that everyone who can be insured is insured.”
