Clearing the air

Our Paul Sandilands, Founder & Non Exec Director recently visited the National Gallery of Scotland in Edinburgh where he saw a fascinating exhibition concerning James 1st and V1th of Scotland.

His writings were diverse and included a treatise on the ills of taking tobacco and smoking as early as 1604.

A Counterblaste to Tobacco Written by James VI & 1 (1566-1625)

Printed book, first published 1604, in a later edition of 1672

 

James’s writings are diverse in subject and this treatise focusses on the ills of taking tobacco and smoking.  Written in 1604 the King expresses his disgust for the habit claiming there

‘cannot be a more base and yet hurtful, corruption in a Country, than is the vile use of taking Tobacco’.

 

He went on to describe smoking as a

‘custom loathsome to the eye, hateful the Nose, harmful to the brain, dangerous to the Lungs and in the black stinking fume thereof, nearest resembling the horrible Stygian smoke.’

Clay tobacco pipe, English 1650-1700

It is perhaps taken rather longer for King James’s message to get through than he would have hoped……..although since WW2 smoking in adults has greatly declined in the UK, recent media coverage continues unabated with both BBC radio and The Times today, 20th August 2025, having articles on the subject.

Coverage was slanted towards the disappointing fact that teenage vaping can be a potential gateway to smoking. Research has suggested that children who vape are much more likely to start smoking.

Set of disposable electronic cigarettes of different shapes on a white background. The concept of modern smoking.

Does smoking impact your insurance?

For Life Assurance Underwriters smoking remains a key question in assessing the applicant risk. Smokers will have to pay more for their cover.

The reason is simple. Smoking is bad for you! It has been said that campaigns to stop smoking have saved more lives than antibiotics! Underwriters recognise that stopping smoking is just about the best thing you can do to improve your health and after a year of not smoking applicants will be rated as non-smokers.

Vaping continues to be treated as smoking by underwriters. Although it is recognised that vaping is a useful option to quit smoking its long-term effects are not yet known and regulation of vaping products is still being developed.

Having said all that one would guess that if there was something seriously and inherently wrong with e- cigarettes it would have emerged by now.

So perhaps a sensible approach for underwriters is to moderate the smoker loading for vapers. Some additional loading recognises the need to deal with the unknown long term risk of vaping whilst recognising the health benefits of vaping over smoking.

At Pulse we receive quite a few applications for Life Cover despite the applicant having suffered from quite serious medical conditions they continue to smoke.  The task of Pulse Insurance Limited is to provide cover wherever we possibly can.

To find out if cover may be available, please contact our life team

heart month

Pulse take part in Heart Month 2025

Here at Pulse Insurance this month, we are taking part in National Heart Month including:

heart

National Heart Month aims to increase awareness of cardiovascular diseases and encourage people to have their heart health checked.  As we all know, the heart plays a vital role in keeping us alive by pumping blood around the body.

Why Pulse Insurance Limited are taking part in National Heart Month?

  • Cardiovascular disease is the leading cause of death in the UK and therefore it couldn’t be more important to get your heart checked.

There are two easy measures you can get to check your basic heart health: Blood pressure and Cholesterol

Blood Pressure
Ideal: 90/60mmHg and 120/80mmHg
High: 140/90mmHg or higher
Low: 90/60mmHg or lower

Blood pressure levels can be checked at home with a UK approved home blood pressure monitor or by a medical professional. NHS have some further information on how to check your blood pressure here

Cholesterol
Total Cholesterol: Less than 5mmol/L
HDL (Good Cholesterol): More than 1mmol/L
Non HDL (Bad Cholesterol): Less than 4mmol/L

cholesterol chart

Cholesterol levels can be checked with a blood test. For understanding more about cholesterol levels, additional information can be found at British Heart Foundation

There are a variety of factors that can negatively impact the function of the heart and increase your chance of developing cardiovascular disease including:

  • Family history
  • Age
  • Obesity
  • Diabetes
  • High blood pressure
  • Poor cholesterol
  • Smoking

Fun fact: Laughing is good for your heart! It reduces stress and gives a boost to your immune system.

Get ready for a few heartwarming handpicked jokes to help share some smiles and make you giggle:

  • What’s a hearts favourite type of exercise? Cardio
  • What kind of music do hearts love? Anything with a good beat
  • What is a heart’s favourite TV programme? Heartbeat
  • We told a joke or two and they heart-ily laughed!

Ok, we promise that’s the last one …for this article!

On a more serious note, one of the best things you can do for your heart health is to exercise regularly. Exercise helps to lower blood pressure, maintain a healthy weight, improve cholesterol values and reduce inflammation across the body.

exercise

Getting Pulse Life Cover including a history of congenital heart disease

At Pulse Insurance we believe that your medical history shouldn’t be a barrier to accessing life insurance. Over the last 6 months, we have sourced personal or business life insurance cover for those who have a history of congenital heart disease. This includes Brugada syndrome, Tetralogy of Fallot, Heart valve defects, coarctation of the aorta and cardiac events that have required the insertion of an ICD.

When reviewing this type of medical history, the main areas of risk we assess are stability of the conditions, compliance with treatment, the nature and severity of complications and symptoms.

Pulse recently were able to provide life cover for a lady who was planning to start a family and identified the need for valuable family protection life cover. She had been declined by the standard life market as she had been diagnosed with Brugada syndrome and had a precautionary ICD. Pulse were able to provide this valuable cover at a reasonable cost.

Pulse are here to help provide the valuable protection that you need. For more information, or to request a quotation, please contact our Life Team or call 01280 841430 Option 4.