We are able to help people who are having difficulty in finding life insurance obtain cover. We do this via our Life Insurance Help Website.

To many people it can come as something of a shock when an insurer declines their application for life insurance. It may also become somewhat frustrating trying to find an insurer who will accept your application. This is where we come in. We work closely with the underwriters of all the leading insurers, we understand their criteria and what they will accept and what they decline. Furthermore we discuss your specific case with them before we make any application on your behalf. While we can't guarantee that any application you make will be accepted, we don't make any application until we believe there is at least a 90% chance of success.

One of the most common declines we cover is life insurance for obese people. Many people who are looking for life insurance for overweight people find that they have several declines and struggle to get cover. We have been particularly successful when it comes to obese life insurance and can normally get cover for people who have a body mass index (BMI) as high as 60. If you are not sure of your BMI you can always use the Body Mass Index Calculator on our website.

Our website Best Pension Annuity is packed full of information for our customers to help them obtain information about how they can make use of their pension fund both before and after retirement.

If you have a personal pension and are about to retire most people will exchange their fund for a guaranteed annual income, which is commonly known as an annuity. They would normally take a pension lump sum first which is free of any tax liability. You don't have to take an income from the pension provider you have previously used, and by exercising your open market option we are able to get you quotes from all the leading providers which could result in a significant increase to your income in retirement.

Some people just want to release their tax free cash and keep the rest of their pension invested so they can buy an annuity later when they come to retire.

There are many more options open to people than they realise and one of our qualified advisers will always be happy to discuss your options with you. Ultimately whether you require a pension lump sum, a drawdown contract, or feel it is time to take an annuity, the Best Pension Annuity website will give you clear no-nonsense information.