May 24, 2018


vitamin B12

Why Advisers are better than Comparison sites if you have a Vitamin B12 Deficiency.

If, once you’ve read this case study, you’d like to talk through your situation, please call

0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

Our client

We were contacted by Ms J, a 37 year old non-smoker. She had tried to set up a life and critical illness policy to ensure funds are available should she suffer a serious illness.

Ms J had found a policy by checking the cheapest plan offered on a comparison website.

The policy offered a sum assured of £110,000 over a term of 18 years for a premium of £33.46 a month. However, she was shocked to be told that the cost would increase to £48.75 a month because she takes daily B12 tablets, as she has previously suffered a vitamin deficiency.

What is Vitamin B12 deficiency? 

Vitamin B12 deficiency anaemia occurs when a lack of vitamin B12 causes the body to produce abnormally large red blood cells that can’t function properly.
A deficiency can cause a wide range of problems including: extreme tiredness and a lack of energy.

Expert Advice

We explained that firstly, the plan she had applied for offered one of the least comprehensive policies in the market. ( Something she wouldn’t have known without comparing policies and reading through mountains of small print). Secondly, we would be happy to arrange a far more comprehensive plan with a Provider who would not increase the cost.

Ms J was happy to set up a life or earlier critical illness policy with a sum assured of £110,000 over a term of 18 years for a monthly premium of £36.68.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Interested in related stories?

How to contact us:

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Your adviser will take into account your medical history. Any quote which they provide to you will take into account to your situation, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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Do you suffer with a medical condition and are concerned you can’t secure Life or Critical Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

For more information on Vitamin B12 deficiency click on NHS Choices.

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Client ref 130188126