'High Risk' Life Insurance and Critical Illness Protection

In response to rising demand from consumers who are finding that they don’t fit into the 'normal' categories that apply when looking for life cover, critical illness cover and income protection, Moneysworth can offer you a bespoke service. For those who have health issues or hazardous occupations or hobbies, we can help you achieve the level of cover you are looking for.

Let us research the market for you, and save you valuable time and will ensure that your enquiry is dealt with professionally, confidentially and effectively.

Thank you for visiting our High Risk page - you are now on your way to finding the cost effective life insurance that you have been looking for - and that's a personal promise from Tim and Andrew, the Moneysworth Specialist!

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What Do We Mean By High Risk Insurance?

By High Risks we are referring to those risk factors (health issues or hazardous occupations or hobbies) which require a more bespoke and tailored approach compared to normal life cover, critical illness and income protection process.

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. APPLY 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 . 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.

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5 steps to obtaining your High Risk insurance cover:

• Complete our online enquiry form.
• On receipt of your enquiry one of our specialists will contact you to gather further information about your conditions or situation.
• We then contact our network of dedicated underwriters from leading insurance providers, to establish if they can provide indicative illustrations for your consideration.
• We report our findings back to you and then we apply on your behalf to the relevant company / or companies.
• Insurers then underwrite, offer you the type of cover you have requested, and then it’s up to you accept the terms offered.

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

What Does It Cost

• Our costs are paid by the relevant life insurance company when policy terms are accepted and the policy starts.
• We do not make any charge to you and there are no arrangement fees.
• The costs of any GP medical report are also paid by the relevant insurer.