Life Insurance. For Everyone.

Even if you've had bad health, or illnesses such as: cancer, strokes or heart attacks, you can still get insured.

Money for death, accidents or illnesses

Guaranteed acceptance

No application

Affordable Life Insurance For Everyone

Having life insurance in place is really important, whether it’s to cover the costs of your funeral or to ensure that your loved ones can continue to live comfortably even if you’re no longer there to provide for them.

For most people, getting life insurance is easy - they just pop a few details into a comparison website and then choose the cheapest option. But when you've had a serious illness, it isn't so simple.

The problem is that, as soon as you tell a life insurance company you’ve had a serious illness, they’re going to ask you a whole load of extra questions. And once you’ve answered those questions, they’ll probably have some follow-up ones for you.

Worse still, after you’ve spent ages giving them all this information, there’s a good chance the insurer will decide they don’t want to cover you after all.

Even if they do agree to insure you, you’ll probably find that the price of the policy jumps through the roof and/or that the insurer adds exclusions to the policy which mean it won’t pay out if you die as a result of something linked to your previous health conditions.

And what’s the point of paying for a life insurance policy unless you can be sure that it will definitely provide the required benefits for your dependants if and when the time comes?

Fortunately there is a solution.

Here at More Than Money, we specialise in arranging life insurance policies for people with serious health conditions such as heart attacks, strokes and even cancer. We work with niche insurers who only take on clients with medical conditions.  

We won't ask you any health questions, there are no medical tests, and we don't have to contact your GP saving you time, money and hassle.

So if you want the certainty and peace of mind that comes from knowing you’ve got a life insurance policy that gives 100% cover, even if you've had previous health complications, then pick your package today.

Just click the button below to create your own package, and get accepted straight away, no health questions asked.

Up to £200,000 for accidental death

Up to £20,000 for non-accidental death

Up to £250 per day for hospitalisation

Is this right for you?

This is not mortgage cover

Your mortgage is not specifically covered, but your family could use the money to pay off some or all of your mortgage, depending on the payout, if you pass away.

You are not insured from day one

You need to have this policy in place for 12 months before you can claim for a non-accident death or an Illness that puts you in the hospital for 24 hours or more. Accidents are covered from day one, though.

This is not a whole of life policy

This policy only insures you until a maximum age of 75.

The maximum pay out for non-accident death is £20,000

Because there are no medical checks, and you’re guaranteed acceptance, the biggest payout for non-accidental deaths (Cancer, Strokes or Heart Attacks, for example) would be £20,000.

Client Testimonials


1. Pick your package

You choose the level of cover you require, for your budget.

2. Give some basic information about you

We'll need to know your contact details and ask you some general lifestyle questions.

3. We’ll handle the paperwork

Once you've picked the right policy and the right level of cover we’ll take care of all the paperwork for you.

4. You're insured

You are insured straight away but your first payment will be taken after two weeks.

How We Helped Craig

Client: Craig
Insured: 08/11/2021
Type of illness: Lung Cancer
What package he chose: Level 3
How much does he pay?: £27.00 per month

Craig came to us because he had been declined by all other insurers in the past. He just wanted enough money to help his family with funeral costs and some financial help due to being in hospital a lot.

He picked his package online, and answered a few lifestyle questions and was accepted straight away.

A customer service agent called to check over Craig's details, make sure he was happy with everything and process the policy.

How We Helped Alexandra

Client: Alexandra
Insured: 01/07/2021
Type of illness: Stroke and Heart Attack
What package she chose: Level 5
How much does she pay?: £45.00 per month

Alexandra needed as much money as possible to leave to her children once she passed away. She was also interested in the amount of money she could claim for being hospitalised.

Due to the amount of cover she needed, Alexandra chose the Level 5 package.

Alexandra had a few questions and wanted to speak with an adviser so our adviser Luke called to go through the details with her and processed the policy in no time.

About Us

At More Than Money we're all about our family looking after your family. When the three of us - the bearded trio of Andy Stevens and his twin sons, Sam and Luke - started this business we were determined to make life easier for people with pre-existing medical conditions to get the right insurance to protect themselves and their loved ones.

All too often, people with previous serious illnesses end up buying the wrong kind of life insurance from inexperienced financial advisers who give poor advice, and often they aren't able to find cover at all. And by the time these errors come to light, it's often too late. We're here to change that.  

We work with niche insurers who specialise in providing cover for people with serious health conditions. 


What does this cover?

The cover will pay up to £20,000 for a non-accidental death and up to £200,000 for an accidental death.. The policy also pays out up to £250 per day for hospitalisation and various amounts for other injuries/accidents.

Do I have to speak with an adviser?

You have the option to speak with an adviser if you have any questions. Otherwise, you can set it up completely by yourself online and a customer service expert will call at the end to ensure that the policy is set up correctly.

How much will this cost me?

This is completely down you. The options range from £9 per month for Level 1 cover, and up to £45 per month for Level 5 cover.

Can I make changes to my policy?

Yes you can, without any penalties or charges. We will even keep in contact with you to review the policy if your situation changes or we can find you a better deal.

How quickly can I get covered?

You are insured from day one. However, if you die in the first 12 months, there is no pay-out but you will get a full refund.

Do you charge any upfront advice fees?

No. Insurance advisors don’t charge upfront fees. You will only ever pay your monthly direct debit. This will come out of your account after the first two weeks.

Bespoke Life Insurance For People With Illnesses

Money for death, accidents or illnesses

Guaranteed acceptance

No application

More Than Money is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Registered as a Company in England and Wales No. 11698896. Registered Office: Henwood House, Henwood, Ashford, Kent TN24 8DH.

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