All in the make-up.
Those suffering from long-term illnesses are faced with restrictions and conditions on insurance but Diane Smyth says brokers should be armed with more creative policies.
When someone finds out they have a long-term illness, insurance isprobably not the first thing on their mind.
Long-term illnesses can affect a wide range of insurances, from life
products such as critical illness or mortgage protection policies to
general covers such as private medical insurance, travel and motor
insurance policies.
They also affect a surprisingly high number of people. Broker Peter
Hayman, managing director of PJ Hayman & Co, specialises in finding travel
cover for people with
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