Moneysworth® High Risk Life Insurance, Critical Illness or Income Protection

Thank you for visiting Moneysworth High Risk insurance page. We have designed this page in response to rising demand from consumers who for a number of reasons find that they do not fit into the 'normal' straightjacket that seems to apply to so many insurance companies when looking for life cover, critical illness cover and income protection.  To give you an idea of the different Occupations, Leisure and Health risks - Hover your mouse over the following three categories in green, below. ENQUIRE NOW

>>> OCCUPATION RISKS - LEISURE RISKS - HEALTH RISKS <<<

What Do We Mean By High Risk Insurance?

By High Risks we are referring to those risk factors which require a more bespoke and tailored approach than the standard conveyor belt process that seems so often to be applied. Special Risk Factors tend to fall into three main groupings: occupational, leisure pursuits and health conditions.

Isn't it true that All Insurance Companies Underwrite Applications in the same way?

No. While it is true that many insurance companies will tend to treat certain factors in a similar way there can still be significant differences in actual underwriting decisions. Sometimes this can mean significant differences in the amount of premium quoted. Other times it can mean certain insurance companies offering terms where others might decline the case completely. ENQUIRE NOW

How Does Someone With High Risks Go About Finding Out Which Company Will Offer Them Acceptable Terms?

There are two choices.

•  Firstly the customer can try to the job themselves. This is the most difficult and time consuming option. It is also likely to produce unsatisfactory results. To do the job effectively the customer will have to research the whole market and make individual applications to every company as there is a distinct lack of publicly available information available to guide the customer.

•  The second option is to let us research the market for you. This saves your valuable time and ensures that your enquiry is dealt with professionally confidentially and effectively. ENQUIRE NOW

Who Are Moneysworth and Why Are We Able To Provide A Professional Service ?

Moneysworth Ltd is regulated by the Financial Services Authority (FSA). Customers can therefore feel safe in the knowledge that all business dealings are governed by the rules and regulations laid down by the FSA and that our advisers are professionally trained and qualified. As IFA's we are able to access the whole market and we are not tied to one insurance group. This is of special significance in the area of High Risks, where access to the whole market is so important in meeting the needs of the customer.

Recognising changing consumer needs Moneysworth was set up specifically to match the needs of the steadily growing and significant number of customers who choose to use the internet. Moneysworth is an internet based IFA. ENQUIRE NOW

How Does It Work?

The starting point is to complete the enquiry form.

After we have received and initially assessed your enquiry form we will contact you. If we feel that we might be able to help (and we can help in a significant number of cases) we will send you a more detailed questionnaire to complete and send back to us. We may also ask you to obtain a copy of any recent GP Report that may have been completed in connection with any recent application you may already have made to another life insurance company. When we have collated this information we will then arrange to send this information to those insurance companies that we believe may be prepared to offer terms. When we have received responses from the insurers, we will report back to you on your options. We will then arrange your chosen transaction(s) for you.

Of course we cannot promise that we can find terms for everyone who completes an enquiry form. But we can promise to do our best for every customer, and to keep you informed.  ENQUIRE NOW

What Does It Cost?

Our costs are paid by relevant insurance company when policy terms are accepted and go into force. We do not make any charge to you. The costs of any GP medical report are also paid by the relevant insurer. There are no arrangement fees. There is therefore no cost to you in submitting an enquiry and using our service.

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