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Have you previously been declined Life Insurance?

If you've been refused cover on medical grounds, or struggled to find affordable cover, we may be able to help.

Call us 01625 462 744

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Before calling us, please make sure you have read and understood our Privacy Notice .

Many people come to Moneysworth after being refused Life Cover elsewhere.

We're successful in finding Life Cover for the majority of these people.

Different life insurance companies often take differing positions on the same information. Our processes are designed to help identify where you can get the most favourable result.

How do health conditions or medical history count against you when applying for life insurance?

Insurance providers may see you as a higher risk. Some insurers may even decide the risk is too high, and refuse to offer you anything.

Insurance companies apply differing risk criteria to different health conditions. So, if you've been refused cover by one insurer, we may be able to find one or more other insurers who will consider offering you cover.

Our extensive knowledge of the life insurance market means we know which insurers to talk to on your behalf.

Moneysworth was started 21 years ago to help individuals find life cover. In that time, we've developed a wealth of experience in how different medical conditions affect the chances of insurers offering cover. It also means we know which insurers might accept your health conditions or medical history.

There are cases when, despite our best efforts, we are unable to find cover – but usually we are able to find the cover you require.

Already got Life Insurance? Think you're paying too much for it?

If you already have cover in place, it could be a good idea to talk to Moneysworth. It won't cost anything to find out, and we might be able to find you a better deal.

Call us 01625 462 744

Our service is designed to help you find the most suitable result available.

  • We start by talking to you about your health condition and insurance requirements.
  • We then discuss your situation with medical underwriters at insurance companies across the market. We find out if they might be able to offer you insurance cover.
  • We explain our findings to you and – assuming that cover is available – we'll let you know the estimated price.
  • We handle every step of the application process for you, from start to finish, and you'll be kept informed of progress along the way.

How Moneysworth is better placed to help you find Life Insurance

Why? Because when insurance companies look at your condition and requirements, they don't always make the same decision.

If you were to ask just one or even a few insurers, how would you know if the terms you're being offered are really competitive? Also, if those insurers decline to offer you any cover, how would you know if other insurers in the market would make the same decision?

Moneysworth deals with insurance companies across the market, so asking us to find Life Insurance on your behalf could save you a lot of time and worry. This is a real benefit if you want to feel confident that you're getting a really good outcome.

Before applying to insurers, we carefully examine the details of your circumstances. We have a wealth of experience in searching for Life Cover for people with health conditions, which means you'll get the best chance of finding life insurance with suitable premiums.

We've even developed special research processes designed to help you get a favourable result. So, by the time we apply, we already have a good idea of what the final outcome might be - and can usually give you an idea of the price as well.

If Moneysworth can't get you the cover you are seeking, it probably isn't possible to obtain.

We know (based on personal experience) the value of Life Insurance. It's one of the reasons that we're so dedicated to helping each and every client find the most suitable result.

Very few other companies are able to offer you the level of specialist knowledge and experience that our team has gained. Moneysworth has been successfully sourcing Life Insurance for people with health conditions for over 21 years.

Moneysworth provide a personal service for every client. Right from the beginning, you'll speak with a real expert. No endless telephone menu options or being passed around different departments.

We help you throughout the whole process, providing you with explanations along the way. We aim to make the journey as easy as possible for you, ensuring that you feel fully-informed.

Peace of mind is worth waiting for! Why writing to your GP is a good thing…

When a life insurance company writes for medical information from a doctor, they will need to wait until they get the information back in order to make a final underwriting decision. Inevitably, this means that it takes a while to get a final answer.

However, if the life insurance company receives medical information from your GP and decides to make you a definite offer of life insurance, you can feel safe in the knowledge that the insurance company has taken independent medical verification before offering the terms.

Why is it so important that the insurance company sees your medical information?

Well, providing that you have fully and honestly answered all the questions on the application form, you can feel confident that the cover is fit for purpose and – if the worst happens – the policy will pay out.

We believe that knowing the policy will pay out is the most important thing for all clients – especially if you already have a health condition.

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Before calling us, please make sure you have read and understood our Privacy Notice .

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We don't charge you a fee

If you start a policy, we will be paid a commission by the insurance company. The insurance company will usually pay for any doctor's fees if reports are required.

Did you know?

Perception vs. Reality…
Some people think that insurers don't usually pay out for Life Insurance, Critical Illness Cover and Income Protection claims.

However, in 2019, a record high of 98.3% of Life Insurance claims made were paid, including 97.4% of term Life Insurance claims, 91.6% of Critical Illness Cover claims and 99.9% of Whole of Life claims.

Source: Association of British Insurers, May 2020