Moneysworth wins Best Small Protection Advice Firm 2023! Learn more

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On International Women’s Day, Moneysworth would like to take this opportunity to thank all of the fantastic women who work in the UK financial services industry, especially the women that work for the insurance providers we use and for the firms that have introduced business to us in the past. 

We would also like to thank the women who work in Moneysworth’s great team, and to acknowledge the massive contribution they have made towards ensuring we won the Platinum Service Award and the two Best Small Protection Intermediary Awards we scooped during the last six months.

In an industry where sadly only 16% of investment advisers and 26% of mortgage and protection advisers are women, we are proud to say that we have a higher proportion of female advisers than these industry averages. A female member of our team was the consultant who advised or arranged 50% of the policies we have organised in 2024 to date.

The Platinum award is based on customer feedback submitted via Feefo, where recent complimentary feedback for our female employees includes:

“Excellent Service. Professional, Helpful, Personal service. From my initial enquiry, Joanne provided reasonable options. She cheerfully and promptly answered all my queries – even though some unusual circumstances meant this process and the medical took months. When the final premium was increased, I asked that she review and she appealed to the Insurer and the premium was revised to the original. Highly commended also to Gemma – always professional and helpful. A relief to deal with real people; rather than the ubiquitous automated system. I am pleasantly surprised by such tenacity and service and will contact Joanne for any future insurance requirements.”

“Fantastic service. First contacted Moneysworth in 2022 to arrange life insurance with an underlying heart condition, after I’d been declined by a major provider. They were really informative, and talked through all the options available to best suit my family. They were then incredibly patient and professional when an unexpected health issue changed my circumstance. When I got back in touch in late 2023, they worked through several providers and managed to secure cover for me. A huge weight off my and my partner’s mind. Thanks so much to Jo and the wider team for persevering and all the help and advice.”

“Lyndsay and Gemma were very, very helpful. All informations were provided, they always kept me updated.”

“My experience with Moneysworth was exceptionally good. The staff were helpful and very professional. They managed to find the best deal for the Life insurance I requested for. The communication was good and they kept me updated from start till end. They found me a Life insurance that’s suitable for me and my family…Thank you Gemma and Lyndsay for all your help.”


We’re excited to welcome Gary Harrison in the newly-created position of National Sales and Development Manager at Moneysworth. Gary is responsible for developing business from introducers, particularly broker firms within the key sectors of protection, mortgages and wealth & pensions.

Gary has worked in the protection industry since 1989, initially as an adviser for a number of insurers such as Dunbar and GA Life, and also as a business consultant for PruProtect. Ten years ago, he was taken on by SimplyBiz as a business development manager, working with providers and advisers to develop their protection propositions.

In that role, he frequently worked closely with Moneysworth and was impressed by our passion for protection, commitment to providing value to clients and our high standards of service – all of which are important values he shares. When the opportunity came to join Moneysworth, Gary didn’t hesitate:

It was a no-brainer, as we’re of the same opinion that firms need greater support and solutions to fulfil their clients’ protection needs in an increasingly complex protection market.”

Tim Boddy, director at Moneysworth, says:

With the FCA’s imminent roll-out of Consumer Duty regulations, we couldn’t think of a more perfect time or fit than Gary joining our team. With his background and enthusiasm for protection, he has the ideal qualities and experience to further develop and promote the introducer service offered by Moneysworth to all advisers.”

Our specialist broker service already partners with many advisers across the UK who don’t have enough time to arrange protection themselves or to handle more complicated cases. Gary’s experience and insight in this area will ensure that we can help many more advisers at this time of exciting changes in the protection sector.

Yes, you do have choices about how you apply for life insurance and if you have diabetes making the wrong ones could cost you.

So here are the tips

1)  Fully Disclose All Medical Information – cutting corners or forgetting to mention medical information risks making your cover invalid, but if you fully disclose all information you will have peace of mind knowing that the cover is valid.

2) Applying Direct To A Life Insurance Company Has Downsides – There is nothing wrong in applying direct its just that in doing so there’s a very good chance that you will end up paying more than you need to because there’s will be a good chance that another life insurance company would have charged a cheaper premium.   In fact if you already applied direct to a life company and have an existing policy you should still read the tips below and consider getting a second opinion. It wont cost you anything but could save you lots.

3) Research Is Important – Good research will pay dividends and can save you a small fortune. Unfortunately its not easy to do this yourself.

4) Use An Expert – Some companies specialise in offering a service for people with pre existing health conditions such as diabetes, providing a more expert service to help find you best deal www.moneysworth.co.uk are one such company who individually research every single case and provide this service on a non fee basis so they are able to provide you with an indication of likely premium before you apply. An expert will also be able to provide you with information about what other associated types of insurance cover might be available, such as critical illness or income protection.

5) Most Advisers Do Not Specialise In Diabetes – If they dont really specialise its unlikely that they will be able to perform the research to the same standard as a real specialist.

6) How to Spot A Non Specialist – There are a number of ways. 1) Check the website -if the company is genuinely offering a specialist service this should be clear visible on the webite. 2) When speaking on the phone are they asking you the right kinds of questions about your diabetes, do they sound like they are dealing in this day in day out? 3) Sometimes companies pretend to be expert, they tend to rush to the application stage before doing any research – If they quote a preium straight away its probably not a good sign. If in doubt a good questions to ask is what percentage of their clients have diabetes.

7) Think About The Future As Well As The Present – If you develop further complications or additional health conditions in the future you may find it more difficult to obtain cover in the future. As a diabetic if you develop cardio vascular disease in the future, as things currently stand in the market, you will not be able to obtain new life insurance from any mainstream insurer.  

8) Guaranteed Premium Rates Are Best – This means that the premiums cannot be increased in the future so you know where you stand so make sure that your premiums are not reviewable.

9) Remember That Once Your Policy Starts Your Insurance Is Guaranteed – Once your policy begins future health changes will not effect your cover or your premiums, which means you no longer have to worry about what the future may bring.

10) Prices for New Policies Will Go Up At The End Of The Year – This is true, especially so for females. If you have diabetes the process time from start to finish for life insurnace normally takes weeks rather than days. You can avoid the price hike by getting your cover in place before the changes take place – that probably means getting on with things now

If you would like a quote or would like to speak to an expert visit www.moneysworth.co.uk or call us on 0845 430 5200