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The Totally Insured Group are specialist Independent Financial Advisers based in Romsey, Hampshire, that provide financial solutions for Special Risk Clients and people with Pre Existing Medical Conditions that are typically not covered by the leading insurance companies. We are also able to provide a comprehensive range of standard financial services including Mortgage, Investment, and General Insurance advice.

For full details on our comprehensive range of services please visit The Insurance Helpline - click here.

Many people assume that due to the seriousness of their Pre Existing Medical Condition they will not be able to get cover. In the vast majority of situations this is not the case. Even in the most extreme cases we can normally get some form of cover even if it means excluding a specific condition.

Examples of Pre Existing Medical Conditions include cancer, heart conditions, and diabetes. The following are examples of cover that we have obtained for clients;


Bullet A 45 year old male with type 1 diabetes, overweight and on medication for blood pressure and cholesterol but with good control of his condition (HBA1c 7.5).

Bullet A 38 year old female diagnosed with optic neuritis. Previously declined, we secured standard rates.

Bullet A 41 year old male previously declined due to a family history of arrhythmic right ventricular cardiomyopathy. Again, we secured standard rates.

Bullet A 33 year old woman in remission from a previous case of breast cancer after successfully undergoing mastectomy, chemo and radio therapy.

Bullet A 52 year old male diagnosed with depression 4 years ago. His premiums were more than halved from what he was paying, saving in excess of £250 per month.

Due to the specialist nature of the advice required, we offer a personal, impartial service to fully understand the clients' unique individual circumstances, and then develop cost effective, bespoke solutions.

Please visit The Insurance Helpline for full details on our specialist range of services or call our HELPLINE on 0800 377 7763 or alternatively leave us your details and a member of our team will call you  within 48 hours to discuss your requirements.


This site is directed at UK Residents only.
The Insurance Helpline is a trading name of Totally Insured Group which is authorised and regulated by the Financial Services Authority No. 314003