No Medical Underwriting Life Insurance

Insurance is a vital necessity, but unfortunately due to past medical history, age, or any other personal circumstances far too many people get declined any level of cover. We believe everyone who wants cover deserves some level of cover, which is why we work with alternative insurers to provide advice on these insurances.

What are these life insurance policies?

There are 2 particular policies that Woodason financial services advises on that do not require medical underwriting - they are Guaranteed Life Assurance Plans (GLAP) and Accident Only Income Protection (AOIP).

Let us guide you through the process

You may be wondering - what are these policies and who are they for?

The Guaranteed Life Assurance Plan (GLAP) is a policy specifically designed for those over 50's, both for smokers and non-smokers. It is designed to pay a lump sum both when you die or are diagnosed with a terminal illness, with the lump sum potentially being a tax free way to cover costs on your death, for example to cover funeral costs. It offers guaranteed acceptance, fixed premiums, and more.

The Accident Only Income Protection (AOIP) is designed to help replace your lost monthly income if you can’t work due to an accident or non-impact injury. It can pay out for up to 5 years and cover up to 70% of your monthly earnings. Better yet, we can also help you protect against a fall in earnings between the start of your policy and when you claim. As the policy only covers accidents, there is no need for full medical underwriting, so you could still get cover if you have been declined or faced high-rated premiums elsewhere.

You may be thinking these policies sound complicated. This is where Woodason Financial Services comes in. We will assess all your options, taking into account what you want protected, and will then come back to you with a bespoke solution that covers all your needs. We will work with you to ensure that not only does the solution work for you, but that it also works for your budget - there is no point in taking out insurance that you cannot afford to keep paying for.

Best of all? We will do this all for you without charging you a single penny.

Online comparison sites will not have the insight or knowledge that an insurance adviser will. Speak to an adviser today and ensure you are getting the right insurance for your needs, and that you understand exactly what you are protected against.

At Woodason Financial Services we have in-depth knowledge of what is possible with many insurers, including specific niche circumstances. For example, we could:

• Get you insurance with no medical underwriting

• Bundle multiple policies with one insurer, reducing the total cost
• Arrange insurance for both you and your business

• Get you insurance when you have been declined elsewhere

• ...and many more!

Contact us today and find out how Woodason Financial Services can help you, completely for free.

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IMPORTANT INFORMATION

Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

We may charge a fee for mortgage advice in exceptional circumstances. The amount we charge will be confirmed before any charge is incurred. Please refer to the Terms of Business or contact us for further information.

woodason.co.uk is a trading name of Thanet Mortgages Limited which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it. Think carefully before securing other debts against your home. Not all forms of bridging finance, secured loans, buy to let and commercial mortgages are regulated by the Financial Conduct Authority.

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Registered address: 76 High Street, Brierley Hill, West Midlands, United Kingdom, DY5 3AW.

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