Designed to provide your loved ones with financial security when you die.
Also, these conditions don't necessarily make Life Cover something you can't afford.
This is why we believe you should talk to an expert like Moneysworth. We're here to help you get the most suitable policy.
Week in, week out, Moneysworth searches the Life Insurance marketplace on behalf of clients in this situation. This means we keep abreast of the latest changes with insurers.
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.
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 there's a good chance of finding life insurance with affordable premiums.
We've even developed special research processes designed to help you get a favorable 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 16 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.
Many people come to Moneysworth after being declined Life Cover elsewhere.
We're often successful in finding Life Cover for 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.
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.
Before calling us, please make sure you have read and understood our Privacy Notice .
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.
Perception vs. Reality…
Some people think that insurers don't usually pay out for life cover, critical illness and income protection claims.
However, in 2017
of claims made were paid!
Male aged 46, entrepreneur, seeking £500,000 Life Cover and £500,000 Critical Illness cover to provide protection to cover business partners. He had raised Cholesterol, diagnosed in 2001 with a recent reading of 8. His father was diagnosed with diabetes aged 60.
We obtained the Life Cover with the lowest rating available of 50% and Critical Illness cover with a 75% increase in monthly premiums. Other companies declined cover or offered premiums at a much higher rate.