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Pulse life insurance review 2022

Pulse Insurance is a British insurance intermediary providing life cover to customers since 1998. The company focuses on customers that struggle to get coverage from traditional insurance firms, such as high-risk applicants. The company’s policies are underwritten by Lloyds of London and other small specialist insurance providers. Here, we take a look at the company’s offering and help you decide whether it’s the right company for you.

Life insurance products offered by Pulse Insurance

Pulse Insurance offers a range of life cover options. It’s essential that you consider your circumstances and needs before choosing a policy since you don’t want to pay for more than you need. With Pulse Insurance you can choose from:

Short-term life insurance

Not many insurance companies offer short-term life insurance, let alone specialised short-term insurance. The company provides a series of solutions tailored to your particular situation, such as taking part in hazardous events and sports or visiting a dangerous country.

A short-term life insurance policy is anything between one day and 12 months. Typically, people looking for this type of policy seek additional coverage for an activity their primary insurance provider doesn’t cover. You could also use this policy while you are between insurance providers, and your new policy hasn’t been approved yet.

Term life insurance

The company offers standard term life insurance policies – increasing, decreasing, and level – which cover a predetermined period.

  • Level term: In this type of policy, the coverage amount stays the same throughout the insurance term. However, this means that the monthly premium also remains the same. Typically, a level term policy is used to cover an interest-only mortgage or other debt that won’t lose value.
  • Decreasing term: Unlike a level term policy, the coverage amount drops overtime during a decreasing term contract. As a result, your monthly premium also drops. This type of policy is suitable for covering a repayment mortgage or other debts that will reduce over a certain period.
  • Increasing term: This is the same as a level term policy; however, the coverage value can rise to stay level with inflation.

High-risk life insurance

Pulse Insurance offers tailored life cover to high-risk applicants, unlike many insurance providers. The company covers a range of medical conditions and hazardous occupations. If you’d like to know whether you can get coverage contact the company to discuss your options. It also provides cover if you’re over 70-years old.

Features and benefits of Pulse life insurance

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Before choosing an insurance company, you should always double-check their policy features and compare them with other companies. Some of the benefits of Pulse life insurance include:

  • Life cover for high-risk applicants.
  • Short-term cover.
  • Cover for people between 70 and 85-years old.
  • Coverage up to 90-years old.
  • Insurance coverage of up to £15mn.
  • Tailored service to meet your specific needs.

Overview of Pulse life insurance key policy details

The company’s website does not state the maximum or minimum period for the company’s term life insurance policies. It also doesn’t display the minimum age. If you’d like to know, you can contact the company to discuss your requirements.

Cover Options Short-term. Decreasing, increasing, level-term. High-risk term.
Cover Period
Terminal Illness Cover Included with policies.
Maximum Applicant Age 85.
Minimum Entry Age
Whole of Life Policy Not available.
Joint Life Policy Single and joint-life policies available.

Life insurance add-ons offered by Pulse

We compare plans from the leading life insurance providers

In addition to the life insurance products, Pulse Insurance offers a series of add-ons that can help you tailor your policy to your needs. These include:

Income replacement insurance

This policy covers your income if you fall ill or become injured and can’t work. In some cases, the company can find a policy covering unemployment or involuntary redundancy.

Gift inter vivos

This product is designed to cover a gift exchange. If the donor passed away within seven years of the gift, the recipient would be liable to pay inheritance tax. The Gift inter vivos payout would cover the cost.

Pulse life insurance ratings

As an insurance intermediary, the company doesn’t have its own life insurance products to be rated on. However, the company’s Term Life Insurance service received an 8-star gold award from Protection Review.

How much does Pulse life insurance cost?

Life insurance costs will depend on your age, health, medical history, occupation, and smoking status. Therefore, to get a correct quote, it’s best to contact the company directly and discuss your circumstances.

To give you an idea of the costs, here are some example quotes provided by Pulse Insurance:

  • An applicant that previously suffered from a brain aneurysm looking for £337,824 mortgage cover over 21 years was approved with a yearly premium of £1,602.96.
  • An applicant that previously had cancer looking for £154,385 mortgage protection over 31 years was approved with a yearly premium of £480.

If your condition isn’t mentioned on the company site, Pulse Insurance encourages applicants to get in touch and discuss requirements. The company is flexible and can potentially still find you cover from its network of specialised insurers.

How to get cheaper life insurance premiums

The best way to improve your insurance premium is to work on the factors you can control. To begin with, you should quit smoking as it has a significant impact on your premium. If possible, you should also look to lose weight and start having a healthier lifestyle.

In addition, you should shop around for the right policy. The first quote that you are given isn’t necessarily the best on the market.

Is Pulse life insurance right for you?

If you have unusual circumstances or are a high-risk applicant, Pulse Insurance is the best provider on the market for you. The company is open to people with various illnesses, conditions, and hazardous jobs and works to find you the right cover for a competitive price. There’s also a fantastic range of options that tailor the insurance product to your needs.

On the other hand, if you’re looking for a standard life insurance policy, going with a company that doesn’t specialise in unusual cases might be the better option.