Who are iam|INSURED and how can they help you?
iam|INSURED is a UK life and protection insurance specialist that focuses on fair, affordable cover for people with all kinds of health conditions, higher-risk jobs and active lifestyles. With almost 30 years of experience and 100% online advice and support, they help individuals, families and businesses find low-cost life insurance, income protection, critical illness cover and other protection that fits real life, rather than expecting you to fit a standard tick box.
Can iam|INSURED help if I have pre-existing medical conditions?
Yes, iam|INSURED has built its reputation around helping people with medical conditions such as diabetes, high BMI, heart problems, cancer histories and neurological or blood disorders to secure fairly priced life and protection insurance where many people fear they will be declined or overcharged.
Does using iam|INSURED cost more than going direct?
No, in many cases using an insurance specialist like iam|INSURED can actually reduce your premiums because they know which insurers are usually most competitive for your age, health, occupation and lifestyle, and they can often access discounts or products that are not obvious if you search alone.
What types of cover can I arrange through iam|INSURED?
You can arrange a wide range of insurance products and services with iam|INSURED from our panel of carefully selected insurance partners, including the following:
- Life insurance for your family
- Mortgage life insurance
- Business life cover
- Income protection insurance
- Critical illness cover
- Personal accident insurance
- Health insurance
- home insurance
- Travel insurance
Key Points: Why choose iam|INSURED?
- iam|INSURED is a UK-based protection specialist with nearly three decades of experience.
- They focus on fair, affordable insurance for people with pre existing medical conditions, higher risk jobs and hazardous hobbies.
- Products include life insurance, income protection, critical illness cover, health insurance, personal accident and travel insurance.
- Customer care is built around integrity, transparency and treating every client as an individual.
- The team works with leading UK insurers and specialist providers to keep prices low and cover suitable.
- iam|INSURED aims to be a long-term partner, not just a one-off policy seller.
Our mission at iam|INSURED
At iaminsured.co.uk the focus is on more than just selling policies. Their mission is to offer easy access to fair pricing, affordable protection and strong financial security for UK families, individuals and business owners. The team believes that everyone is unique and deserves to be treated fairly, with the right level of cover and clear information so that you can carry on with your life without constant worry about what might happen.
This mission is built around three simple ideas:
- Putting people before products.
- Removing pointless complexity from insurance.
- Making protection affordable and accessible, even when your situation is not straightforward.
Guided by integrity and transparency, iam|INSURED works to empower UK consumers to face the future with confidence. It is not only about payouts and paperwork; it is about protecting dreams, supporting families through difficult times and helping to secure the legacies that matter to you.
A modern protection service
Many people want quick, convenient and low-cost ways to sort their insurance without hours on the phone. iam|INSURED has built its service around this, with 100% online protection solutions that fit around busy working lives, childcare and tight budgets. You can compare options, get guidance and arrange cover from your laptop, tablet or mobile at a time that suits you.
- 100% online protection solutions designed to save time and hassle.
- Top-rated advice from UK protection specialists who understand the market.
- Access to a wide panel of insurers so you are not tied to one brand.
- Affordable cover options and a focus on finding the lowest suitable prices.
- Support when things change, such as moving home, starting a family or changing jobs.
This online focus does not mean a lack of personal service. Instead, it means you get straightforward information, clear forms and support from real people behind the scenes, without needing to visit a branch or sit through a long sales pitch.
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Specialists in non-standard and higher-risk protection
One of the main reasons people choose iam|INSURED is their expertise in what the insurance world calls “non-standard” risks. In everyday language, this simply means situations where your medical history, job or hobbies might cause some insurers to hesitate or charge over the odds. Rather than avoiding these cases, iam|INSURED has spent almost 30 years focusing on them.
Through their own life experiences and thousands of customer cases, the team understands that everyone has their own story. They believe strongly that you should be treated as an individual, not a statistic, and they work hard to make sure you and your family get the protection you deserve.
Pre-existing medical conditions insurance services
Finding life insurance or income protection when you have a medical condition can feel daunting. Many people worry that they will be refused outright or pay unaffordable premiums. iam|INSURED has built up detailed knowledge of how different insurers treat a wide range of conditions, so they know where to look for realistic prices and fair terms.
Examples of conditions they regularly work with include:
- High BMI and weight-related conditions, including support for people who are classed as overweight or obese.
- Cancers, whether you are in remission or have a recent history of treatment.
- Diabetes, both type 1 and type 2, where control and medication can affect pricing.
- Heart conditions such as previous heart attack, stroke or cardiovascular disease.
- Neurological conditions including multiple sclerosis, epilepsy, motor neurone disease, Alzheimer’s and Parkinson’s.
- Blood disorders such as anaemia, HIV and some leukaemias.
- Respiratory conditions including asthma, bronchitis, cystic fibrosis and sleep apnoea.
If your condition is well controlled, you have had successful treatment or your symptoms are stable, there may be far more options available than you expect. A specialist broker can help present your medical history clearly to insurers, which often leads to better results and fairer pricing than going it alone.
Dangerous occupations
Some jobs carry more day-to-day risk, which can influence how insurers assess your application. iam|INSURED regularly arranges cover for people working at heights, offshore, in the Armed Forces or emergency services, in aviation roles and in professional sports. They understand how underwriters view different tasks and locations, and they search for providers who are comfortable offering protection without unreasonable exclusions.
- Working at height, such as tree surgeons, construction workers and aerial riggers.
- Offshore workers in energy and related industries.
- Members of the Armed Forces and some security roles.
- Police, fire and ambulance services.
- Pilots and other aviation professionals.
- Professional athletes and coaches in contact or high-speed sports.
Extreme sports and hazardous activities
Active lifestyles are another area where a specialist can make a real difference. If you enjoy winter sports, rugby, football, mountaineering, climbing, diving, sailing, caving or potholing, some insurers may increase premiums or limit cover. iam|INSURED works with providers that are more open to these activities so you can continue doing what you love while still protecting your family’s finances.
- Winter sports such as skiing and snowboarding.
- Team sports including rugby and football at an amateur or semi-professional level.
- Mountaineering and climbing, whether indoor, outdoor or expedition level.
- Diving and sailing, including more adventurous trips.
- Caving and potholing where standard policies may be more restrictive.
Whatever your combination of health, work and hobbies, the core aim is the same: to find the most suitable protection at the lowest realistic cost while being upfront about what is and is not covered.
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Types of insurance iam|INSURED offers
iam|INSURED offers a broad range of life and protection products so you can build a package that matches your priorities and budget. Below is a simple overview to help you understand the main options.
| Product type | What it does | Typical use |
|---|---|---|
| Family life insurance (level term) | Pays a fixed lump sum if you die within a chosen term. | Protecting your family’s lifestyle or leaving a legacy. |
| Mortgage life insurance (decreasing term) | Cover reduces broadly in line with a repayment mortgage. | Clearing your mortgage so your family can keep the home. |
| Joint life insurance | One policy that covers two people, often a couple. | Cost-effective protection for partners with shared finances. |
| Over 50s and guaranteed life insurance | Usually no medical questions, with a guaranteed payout on death. | Leaving money for funeral costs or small gifts. |
| Business life insurance | Protects key people or covers business debts. | Supporting continuity if an owner or key worker dies. |
| Family income benefit | Pays a tax-free monthly income instead of a lump sum. | Replacing lost income to cover everyday bills and expenses. |
| Income protection insurance | Pays a monthly benefit if you cannot work due to illness or injury. | Protecting your salary so you can keep up with bills and mortgage or rent. |
| Critical illness cover | Lump sum on diagnosis of a serious listed illness. | Helping with mortgage, treatment costs or adapting your home. |
| Personal accident insurance | Benefits if you suffer certain accidental injuries. | Extra financial support after an accident, especially in manual roles. |
| Private health insurance | Helps pay for private medical treatment. | Faster diagnosis and treatment to reduce waiting times. |
| Travel insurance | Covers trips in the UK and abroad, including medical emergencies. | Protecting holiday bookings, baggage and unexpected medical costs. |
By understanding how these products work together, you can prioritise what matters most. For example, a young family on a tight budget might start with mortgage life insurance and simple family cover, then add income protection later. A self-employed contractor might focus on income protection and critical illness cover first.
Why choose iam|INSURED?
A genuinely customer first approach
Your circumstances and goals sit at the heart of the advice process. Rather than pushing a single insurer or one style of policy, iam|INSURED looks at your full picture, including income, family situation, debts, savings and long-term plans. The aim is to recommend cover that is both affordable now and still valuable if life takes an unexpected turn.
Integrity and transparency
Trust is essential when you are sharing medical information and planning for worst-case scenarios. iam|INSURED is open about how policies work, typical exclusions and any extra costs linked to your health or lifestyle. Clear explanations help you decide whether a policy feels right instead of being surprised at claim stage.
Deep expertise in the UK protection market
With nearly three decades in protection and a strong focus on more complex cases, the team stays ahead of market changes, new products and underwriting trends. This means they can quickly spot which insurers are likely to be the best fit for your profile, saving you time and avoiding multiple failed applications.
Supporting communities and giving back
iam|INSURED is not only interested in policies and premiums. The business is committed to giving back to the communities it serves through charitable work and local engagement. This might include fundraising, awareness campaigns around health conditions or supporting community projects that improve wellbeing. Choosing a broker with a wider social conscience can be an important factor if you value businesses that reflect your own priorities.
A long-term partner for your protection needs
Life moves quickly. You might change jobs, start a family, buy a home, launch a business or experience changes in your health. iam|INSURED aims to be more than a one-time contact by offering ongoing support as your situation evolves. You can review and update your cover when major events happen so that your protection stays in line with your needs, rather than being forgotten in a drawer.
- Reviewing policies when your mortgage changes.
- Updating beneficiaries after marriage, separation or children.
- Adjusting sums assured as your income rises.
- Checking options if your health has improved over time.
FAQ’s – Who are iam|INSURED and can they help me?
How do I get a quote or start an application with iam|INSURED?
You can start the process by visiting the iam|INSURED website at www.iaminsured.co.uk, where you can request a quote or complete simple online forms to outline your situation. A protection specialist will then review your details, compare options from a panel of UK insurers and come back to you with tailored recommendations. Because the service is designed to be 100% online, most of the process can be completed by email and secure forms, with phone or video support available if you prefer to talk things through.
Will iam|INSURED run a credit check when I apply for cover?
iam|INSURED itself does not carry out a credit check, because it is a broker that focuses on advice and matching you with insurers. When you decide to proceed with a particular policy, the insurer may perform identity checks and, in some cases, a soft search as part of their standard application process, but this is usually to confirm your details rather than to assess your creditworthiness in the way a loan or credit card provider would. If any form of check is required, your adviser will explain this before you submit your application so you know what to expect.
How do I get a quote or start an application with iam|INSURED?
What information will iam|INSURED need about my health and lifestyle?|||
To find suitable and fair priced cover, iam|INSURED will normally ask about your general health, any diagnosed medical conditions, medication, recent tests or treatment and your height and weight. They may also need details of your job role, whether you work at height or offshore, and any hazardous sports or hobbies you take part in, such as skiing, climbing or diving. Providing clear, accurate information at the start helps the team to approach insurers who are comfortable with your circumstances and reduces the risk of problems if you ever need to claim.
Can iam|INSURED help if I already have some insurance in place?
Yes, if you already have existing life insurance, income protection or critical illness cover, iam|INSURED can still review your position. They can help you check whether your current policies are still suitable for your needs, especially if your health, mortgage, family situation or income has changed. In some cases it may be worth keeping what you have and adding to it, while in others there might be an opportunity to restructure your cover to improve benefits or reduce costs. Any recommendations will be made with the aim of avoiding gaps in protection while keeping things affordable.
What happens if my health or circumstances change after I take out a policy through iam|INSURED?
nce your policy is in place, you can get back in touch with iam|INSURED if you experience major life changes such as a new job, a bigger mortgage, a change in relationship or an improvement or deterioration in your health. The team can then review your existing cover, explain any impact those changes might have and, where appropriate, help you adjust your protection so that it remains in line with your priorities. Their aim is to act as a long term partner, so you are not left managing complex policy decisions on your own as life moves on.
Next steps if you are looking for affordable protection
If you are in the UK and want low-cost insurance that still offers meaningful protection, especially if you have a medical condition or a higher-risk job, speaking to a specialist broker can save both time and money. iam|INSURED brings together expert knowledge, online convenience and a strong belief in fair treatment to help you find cover that fits your life, not just a generic template.
Before you start, it helps to have a rough idea of your monthly budget, your key priorities (for example, paying off the mortgage or replacing income) and any existing cover through work or older policies. With that in hand, you can work with iam|INSURED to shape a plan that protects the people and things that matter most to you without paying more than you need to.
Thank you for considering iaminsured.co.uk. Their team looks forward to the chance to earn your trust and give you the peace of mind that comes from knowing your financial safety net is in place.
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