We much prefer to talk to our clients, so we can fully understand their circumstances and requirements. We use that information to research all of the available cover options in the whole Life Insurance market, which helps us ensure we achieve the best outcome for each client.
Don’t worry – we understand some people prefer not to discuss their health over the phone.
With that in mind, we’ve set up a this new option for you to apply for Life Insurance without the need for any phone calls.
This process has been arranged with one selected insurer. Neither Moneysworth nor the insurer will call you at any point during the process.
How to choose the "No phone calls - email & text message only" option
- You’ll need to complete our Get a Quote form.
- Select the "You have a Health Condition" option.
- Then select the "Mental Health Condition" option.
- When you reach the "How would you prefer us to contact you?" question, simply choose "No phone calls - email & text message only".
What happens if you chooose the "No phone calls - email & text message only" option?
- After you complete the Get a Quote form this Get a Quote form, we’ll instruct the insurer to send you a link to complete the rest of the application form. This normally happens within 1-2 days (weekdays only).
- Once you have sent your application to the insurer, we will also receive a copy of it.
- The insurer will then assess your application. They will probably need to request further medical information from your doctor. If that's the case, we will ask you to provide your written permission for them to write to your GP. This is standard industry practice for a Life Insurance application for a client who has a pre-existing health condition.
- When the insurer has assessed your circumstances and cover requirements, they will be able to decide if they can make you an offer of cover. If you are offered cover, it’s up you if you want to start the policy.
Throughout the whole process you can email us if you have any concerns or queries. If you change your mind about wanting to speak to us, our friendly team will welcome your call and listen to your questions or concerns carefully and sensitively.
Important points to bear in mind if you choose the "No phone calls - email & text message only" option:
- By choosing this option, Moneysworth will not able to review the whole market to establish if the policy from the insurer used for this option is the most suitable cover for you. However, if the information you provide to us indicates that this option isn't suitable for you, we may try to contact you (by email or text message) to see if we can assist further.
- Insurers typically have an exclusion for self-inflicted death during the first 12 months of the policy term. The insurer we selected for this option was chosen because, if you don’t qualify for the 12 month exclusion, they also have another type of exclusion available: depending on your circumstances, the insurer will consider if they can offer you Life Cover with a permanent self-inflicted injury exclusion. This flexibility gives more people the opportunity to obtain Life Cover, but we cannot guarantee you will be accepted.