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Special risk clients are people who require life or health cover but may find difficulty in obtaining it by virtue of the size of the cover needed, a current or previous medical condition, or because they may pursue a hazardous pastime or occupation. For example:

Employees working in politically unstable areas

For example: Cover for individuals and groups combining a life policy covering death from natural causes and a personal accident policy offering cover for death or loss of a limb resulting from an act of war or terrorism.

Hazardous Pursuits

For example: Such as aerobatic pilots, skydivers and motor sports enthusiasts.

Confidential Cover

For example: Cover for a divorcee to safeguard maintenance payments in the event of the death of an ex-partner.

Foreign Nationals Employed by companies

For example: Cover for a foreign diplomat purchasing a property.