The Insurance Surgery: High BMI | Bowel Cancer – Referral Case Studies

01 July 2025

We’d like to share two recent case studies involving High BMI and Bowel Cancer. In both cases, the clients were successfully insured were previously, cover was not possible.

If you have clients who need cover, but you're limited by time, access to specialist insurers, or would simply like a second opinion, we can help.

Life Cover for Client with High BMI & Peri-Menopause

Client Profile

Age: 39
BMI: 46.8
Medical Conditions: Peri-menopause

Protection Secured

Policy Type: Level Term Life Insurance
Sum Assured: £100,000
Term: 28 years
Monthly Premium: £32.81

The client was concerned about exclusions and affordability. We secured cover with no exclusions.

Case Study 2: Life Cover Secured After Stage 4 Bowel Cancer

Client Profile

Medical History: Stage 4 bowel cancer (diagnosed 2018, all-clear 2023), rheumatoid arthritis

Protection Secured

Policy Type: Decreasing Term Life Insurance
Sum Assured: £152,000
Term: 25 years
Monthly Premium: £34.40

After a 2-month process involving detailed medical evidence, we obtained affordable cover with no exclusions.

Benefits of Referring Protection:

Specialists with medical conditions and occupations
Access to exclusive underwriters
No pressure, no fees, just expert guidance
Award-winning support for your clients

Whether it’s life insurance, income protection, or business protection, we’ve got your clients covered.

Refer to The Insurance Surgery

Have a case to discuss?

Join us at our weekly referral drop-in sessions via Teams – or get in touch directly and we’ll help you find the best solution.

Date: Every Friday
Time: 10:00 – 11:00

Microsoft Teams Need help?
Join the meeting now
Meeting ID: 310 143 149 509
Passcode: 5rF2Yu7K

Prefer a conversation first?

E: partnerships@theinsurancesurgery.co.uk
P: 0800 083 2829

The Insurance Surgery Partnerships Team

Specialist Life & Protection Broker | Rated Excellent on Trustpilot

https://www.the-insurance-surgery.co.uk/forms/ifa-full-service/