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Health and Lifestyle Considerations

Health and lifestyle considerations

Where medical or lifestyle factors may affect the terms available, and how to handle disclosure.

Illustrative photograph for the scenario: Health and lifestyle considerations
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Client profile

Single applicant, 69, type 2 diabetes, hypertension, former smoker.

  • · Release the maximum reasonably available
  • · Understand whether enhanced terms apply

The full scenario is available to members

Members see property information, the amount required, alternatives considered, advantages, disadvantages, adviser questions, vulnerability considerations, a calculation example and a client-friendly explanation.

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Last reviewed 2026-09-13 · editorial

Information and software, not advice. Equity Fountain is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial, mortgage, equity-release, tax, legal or probate advice. It provides research tools, factual market information, modelling and educational resources for professional users. The subscribing adviser remains responsible for verification, suitability and client advice. Provider documentation takes precedence over anything shown here.