Don't think the colour of your skin has anything to do with it. The main criteria is native speaker. Many non native speakers command of English is good but their accented English is difficult to understand. Indian call centres a good example.
Having said that native English speakers from Geordie land are not easy to understand 🤣
thanks went on their website and a comparison site I use. Basically to get critical illness insurance you have to start before 65 with all the insurance companies.