Dozens of years ago, not many people would have heard of life insurance. An even lesser number of people would have thought of purchasing a policy. An overwhelming minority would have been the only ones to buy a life insurance policy. In those days, the internet was still waiting in the wings. Thus, people would have had no other options from which to purchase a life insurance policy. If they were lucky, they would live nearby the office of a life insurance company. If not, they would approach a life insurance advisor nearby to do the needful.

When people need to shell out money, they usually exercise a lot of caution. They evaluate the product or service they are purchasing very carefully. Only when satisfied completely, do they hand over the cash. Yet, not many people consider buying a life insurance policy as a necessity. For some people, it is merely an investment. For others, it is a great way to derive tax benefits. Only a few discerning individuals know the value provided by having a life insurance cover.

As awareness of the importance of life insurance increased, the internet came into being. It revolutionised our world completely. No longer did customers need to visit the office of the insurance company to pay their premiums. They didn’t need to drop by their local agent’s office either. Using the internet, they could simply pay their premium or buy a life insurance policy online. Despite this, many people still need convincing when it comes to buying life insurance.

The University of Canberra came up with a hypothetical case study of a couple in their thirties with two children. This study aimed at highlighting the high levels of underinsurance prevalent among Australians. It achieved its objectives perfectly. It also threw up other findings that could increase discomfort levels. Observations from the report concluded that:

• One in four women would suffer from cancer at some stage in their lives

• Similarly, one in three men would suffer from cancer at some stage in their lives

• One in four women would be unable to work for six months or more because of a disability during their working lives

• One in six men would be unable to work for six months or more because of a disability during their working lives

Ordinarily, the common person does not find it difficult to purchase a life insurance policy. This is regardless of whether they smoke or not. It is also regardless of their fondness for alcohol. Even people working in hazardous conditions win the nod of life insurance companies. The only catch lies in the fact that they might need to pay a higher premium for getting insurance cover. However, for people suffering from depression, diabetes etc. getting insurance is not easy. Even if they accept higher premiums, many insurers will avoid giving them coronary life insurance or diabetes life insurance. This is where we decided to step in and make a difference.

People classified as being high-risk will find it difficult to get depression life insurance or bipolar life insurance. Insurers classify these conditions as “serious medical conditions”. In short, people with these conditions are high-risk cases. As there is no known cure for treating these conditions, the risk carried by these individuals continues to increase throughout their lives. Special Risk Managers (Sydney, NSW), recognized that these people need the protection offered by a coronary life insurance or a diabetes life insurance policy. So, we began providing a specialized service to these troubled individuals.

An exclusive arrangement with a like-minded international reinsurance company enables us to provide depression life insurance and bipolar life insurance. It also enables us to provide insurance to people suffering from:

• Cancer, strokes and heart attacks

• Diabetes

• Multiple Sclerosis

• Epilepsy

• Crohn’s Disease

• Depression and other illnesses of the mind

• Alcohol or drug abuse

• Liver or kidney diseases

Therefore, if you – or members of your family – have sought to obtain life insurance and failed, give us a call at +1300 66 53 56. We will examine your case and give it the specific attention that underwriters seldom give. We will also look at any recent improvements in your health. In short, we will give you the attention, the respect and the protection you seek. Our proven track record provides sufficient evidence of our claim. After all, we specialize in providing specialist cover to special people like you.

Angus Leonard writes articles about life insurance policies and for more information about the services offered visit specialriskmanagers.