For years I was consistently refused life insurance due to having too many health conditions. After watching the many advertising media ads on television, I gave Polly a call and within approx 10mins and simple clear steps, I HAD FULL COVER! I have never felt so relieved knowing that my family would be protected if ever something was to happen to me. As much as I was aware of having multiple health conditions, I never considered the other health conditions that had no cover at all. Such as heart conditions, cancer etc.... now I know I'm entitled, and I'm protect in the worst case scenario. Excellent customer service, straight forward process. They call you back at a time that suits you best. Highly efficient service, highly recommend 100% .