I can write a very long review telling our story. BUT to short to save your and my time I would say we were declined in writing by 4 companies and 8 companies & agents directly refused over the phone that they wouldn't even accept this case due to my partner's high BMI of 48+. After talking to Nick - He was confident and I still remember his words that "IF HE CANT GET US THE M.PROTECTION THEN NO ONE WILL". He referred us to his website where they have a well explained information of how to prepare for Nurse Check Up, which helped a lot and was encouraging. I am delighted to say - NICK DID IT what he said. We manage to secure Mortgage protection and wont hesitate to recommend them. It was a stressful experience but we are happy with the outcome. My partner did work hard on this so Dont expect anything unless you are willing to give your 100%. After we secured our insurance and after pushing us to a weight loss Nick and Hannah send us a nice lovely card with 2 Jelly Packs in it. We were like WHAT now they are spoiling us again :D... We had a laugh on this. I would say to anyone who is having trouble with their insurance NICK & HANNAH are the best..Good Luck.