At Red Star Financial Services, we specialise in finding tailored insurance solutions for individuals and families across the UK. One of our trusted partners is The Exeter – a leading mutual insurer offering life insurance, income protection, and private medical cover, with a strong focus on people who may have been declined elsewhere due to health reasons.
🏛️ Who Are The Exeter?
Founded in 1927, The Exeter is a UK-based mutual society. Unlike traditional insurers, it has no shareholders, meaning profits are reinvested back into better services and claims support for its members. The Exeter has built a strong reputation for inclusive underwriting, particularly for those with complex health profiles.
💼 Income Protection with The Exeter
Income First is The Exeter’s flagship income protection insurance, designed to support you financially if illness or injury stops you from working.
Key Features:
-
✅ Short-term (2 or 5 years) or full-term benefit periods
-
✅ Choose from guaranteed or reviewable premiums
-
✅ Waiver of premium included as standard
-
✅ Designed to suit NHS staff and teachers
-
✅ 96% of income protection claims paid in 2022
If you’re looking for income protection insurance in the UK that fits around your career and health needs, this policy is well worth a look.
🏥 Health Insurance – Health+ by The Exeter
Health+ is a private medical insurance plan offering rapid access to treatment and support for a wide range of health issues.
Core Benefits:
-
✅ Unlimited inpatient and day-patient treatment
-
✅ Full cancer cover included
-
✅ Optional mental health and therapies cover
-
✅ Free access to the HealthWise app – includes 24/7 GP, physio, mental health and more
It’s ideal for individuals seeking private health insurance in the UK with flexible, customisable options.
❤️ Life Insurance from The Exeter
The Exeter offers two life insurance policies designed with real-world health needs in mind:
🔹 Real Life:
For individuals with serious or multiple health conditions – including those previously declined by other insurers.
🔹 Managed Life:
For people with high BMI or Type 2 diabetes, where premiums can reduce if health improves over time.
Key Life Cover Features:
-
✅ Cover available up to £3 million
-
✅ Age eligibility: 18–80, with cover lasting up to age 90
-
✅ Level, decreasing or increasing cover options
-
✅ Terminal illness benefit included
-
✅ Redundancy premium holiday available
-
✅ Joint life separation option
If you’re looking for inclusive life insurance in the UK, these policies offer flexibility where many providers fall short.
🤝 Why We Recommend The Exeter
-
✅ Trusted UK mutual insurer with nearly 100 years of experience
-
✅ Inclusive underwriting for complex or non-standard health cases
-
✅ High claims payout rates across all products
-
✅ Added value via the HealthWise app and built-in policy support features
Whether you’re looking for affordable income protection, specialist life insurance, or private medical insurance, The Exeter is a provider we’re proud to recommend.
📞 Speak to a Specialist Adviser
At Red Star Financial Services, we take the time to understand your needs and match you with the right policy and provider. Whether you’re concerned about being declined due to health or want a plan that rewards better wellbeing, our team is here to help.
📧 hello@redstarfs.com
📞 0161 823 1733
🔗 Contact us now to book your free consultation