In this episode of CuraVision I explain how we helped Thomas secure cover after he came to us with TIA, a slightly higher BMI and type 2 diabetes. He was on metformin and his control of the diabetes, of his HbA1c reading was good, but he did at times need to have an injection to stimulate his pancreas.
Hi, everybody, today I want to talk about Thomas.
Thomas came to us because he had a mortgage and he wanted to put some protection in place, just in case something were to happen to him, that he knew that the family home would be safe, and all that mortgage would be paid for.
So, the reason that Thomas came to us is that he was in his mid 40s, he had a slightly higher BMI, nothing excessive, a slightly higher BMI, and he had had about three years before speaking to us, he'd had what's known as a TIA, or transient ischaemic attack. As well as this, he also had type 2 diabetes, which he'd had diagnosed for about four years, and he'd had some associated tingling. He was on metformin and his control of the diabetes, of his HbA1c reading was good, but he did at times need to have an injection to stimulate his pancreas. He hadn't had anything like hypoglycemic attacks, or any of the sort of associations with diabetes that can sometimes lead to a bit more of a caution, a cautionary approach from insurers. As well that though, he had also had a bit of depression a few years prior to chatting to us. It had been due to a very, very close family bereavement. He'd had to take about five weeks off work to come to terms with the situation, but it was something that he hadn't medication or treatment for, for a long time. It was just a very understandable reaction to what is for many people a very, very traumatic situation.
So, I'm pleased to say that because Thomas came to us, we were able to help him and we were able to arrange for him to have a life insurance policy, a decreasing life insurance policy of £115,000 over 25 years, and it came to around about £100 per month.
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