For those who have found life insurance and/or long-term protection difficult or expensive to obtain, Emerald Life has partnered with Cura Financial Services to offer solutions for these issues.*
In particular, Cura recognised experience in providing longer term cover for people living with HIV or those with mental health issues.
Click below to go to the dedicated Emerald/Cura page.
If you are an existing Term Life customer, your Policy Summary and Policy Wording documents are below. If you need to make a claim, please call the claims line on 020 7280 6000.
Have you been refused Life Insurance, Critical Illness Cover or Income Protection? Are you concerned that you might struggle to get cover because of your health, occupation, pastimes or travel?
As an insurer dedicated to covering a very diverse customer base, Emerald understands the importance of strong partnerships. It can be difficult or expensive to get life cover or other long-term protections if you for example you have pre-existing medical conditions or a hazardous occupation.
Our partnership with Cura is an important one. Their background is in handling the most sensitive cases, and they are honest and upfront about what can be achieved. We hope that you find this a useful resource as you protect yourself and those you love.
*Emerald may receive a commission at no extra cost to you if you buy a policy through Cura.
It's a little ironic that Emerald Life does not currently provide its own life insurance. But we take great care and pride to make sure our products meet our standards of equality and diversity. This has been particularly difficult with life insurance and we have not been able to find an underwriter able to meet our product demands. Cura, on the other hand, already has life insurance products specially designed for a very wide variety of situations and we are thrilled to introduce Cura to our customers.
Cura specialises in life insurance and long-term protection products for complex cases. That includes HIV, mental health, transgender and many more cases likely to give a normal life insurer difficulties. Cura also shares our commitment to customer service without any stigma or judgement attached.
We have negotiated with Cura a referral fee if you buy a policy through the "learn more" button above, or you can tell them we sent you. This is a strategic partnership we hold with them - unlike many websites that partner with a wide variety of brands just to gain a commission without necessarily maintaining a relationship with the provider.
If you buy a policy with Cura you will be a Cura customer and your data will not be shared with us. All claims and queries should go through Cura but you are welcome to all us if you need further help.
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INSURANCE PRODUCT INFORMATION DOCUMENT (IPID)
(File size 160Kb PDF)