Specialist Life Insurance Products
Covering those with or without medical conditions
What We Do
AllClear started out in 2000 as a travel insurance provider and has been offering comprehensive cover ever since. Over the last 15 years AllClear has helped customers with pre-existing medical conditions travel the world.
We are a specialist insurance provider and our mission is to help anyone with medical conditions to get the insurance products you want and need. We’re passionate about offering value to customers of any age, with any medical condition.
That’s why we’re offering our specialist Life Insurance, Critical Illness and Over 50s Cover.
For Life and Critical illness insurance AllClear acts as an introducer to our partners Life Support Technologies Ltd, who have developed a unique online quotation facility aimed at the requirements of people with medical conditions, and with MorganAsh Ltd, a leading financial services risk consultancy.
Our partners are able to provide access to a wide range of potential providers to find the life insurance protection that suits your circumstances, taking into account any specific medical conditions you may have, and ensuring that you and your loved ones receive financial support when they need it most.”
What legacy will you leave behind?
Everyone should be able to prepare for the worst and ensure that they can look after their loved ones when they are gone, regardless of any pre-existing medical condition. We know it can be more difficult if you have medical conditions, such as diabetes or high cholesterol, to find the kind of life insurance product you need – but we are here to help.
Our partner organisations have access to a broad range of specialist insurance policies that can accommodate pre-existing medical conditions and help you to ensure your family’s future should the worst happen.
Over 50s Life Insurance
We know that as you go through life you can find that your medical history becomes a lot more complicated! And this can mean that getting life insurance when you’re over 50 gets a lot more complicated too!
This could be part of the reason why out of the 22 million over 50s in the UK*, over half of them currently have no life cover**. So, if you’re over 50 and have found it difficult to get life insurance in the past, AllClear can help. Through our partners we can arrange over 50’s life insurance with 5 star defaqto rated OneFamily.
*Source: ONS – Mid 2013 Population estimates** Source: Mintel 2014, Whole of Life Insurance UK
The main features of the product are that You are guaranteed to be accepted if over the age of 50 (and under 80 at the time of taking out the policy).
No medical is needed, and you choose your premium from as little £10 per month.
This means that even if you have been refused life cover in the past, you could still get cover with this Over 50s product, arranged by AllClear.
Critical Illness Cover
Be prepared for any eventuality
A healthy lifestyle can help reduce the chance of developing some serious illnesses but sadly, developing a critical illness is something nobody can control. In fact, every year 1 million workers in the UK unexpectedly finds themselves unable to work because of injury or illness*!
However, you can control how you prepare yourself and your family for the worst. Critical illness cover ensures that if you are diagnosed with a serious illness, you receive a lump sum or a regular benefit.
This enables you and your loved ones to focus on your recovery instead of worrying about your finances.
*Statistics from The Association of British Insurers
Not sure what cover you want?
You want specialist Life Insurance if…
- You have medical conditions or not.
- You want cover that pays a lump sum or a regular benefit to your family if you pass away.
- You would like to ensure that your family can avoid any financial hardship if you were to pass away.
- You would like to ensure that any debts or funeral costs are taken care of if you were to pass away.
You want Critical Illness Cover if…
- You want cover that pays a lump sum should you become critically ill
- You would like to ensure that you and your family can avoid any financial hardship should you become critically ill.
- You would like to ensure that should you become critically ill you and your family can focus on your recovery instead of the cost of living.
You want Over 50s Life Insurance if…
- You are over 50 and reside in the UK.
- You have found it difficult to get life insurance in the past.
- You have pre-existing medical conditions and are looking for guaranteed acceptance without a medical.