PERSONAL Insurance services
Guaranteed acceptance for Hospital and Life Insurance Cover
are you...
Struggling to Find Coverage Due to Pre-Existing Medical Conditions?
Facing Financial Stress During Hospital Stays?
Frustrated with Complicated Insurance Processes?
We Provide Insurance Designed for You: Reliable Coverage Without the Stress
We provide tailored insurance solutions for you and your children. From hospitalisation benefits to life insurance, we offer coverage despite having conditions like Sickle Cell, Heart Disease, Cancer, and more—providing the financial security and peace of mind you deserve, with no medical exams needed.
What we offer...
Guaranteed acceptance with no medical examinations or lengthy health questionnaires.
Receive cash payouts for every night spent in hospital, helping you cover expenses and maintain financial stability.
A simple process where you and your advisor explore the best plan together.
KEY FEATURES
Hospitalisation
Benefit
Cash pay-outs for hospital stays.
Coverage designed to ease financial burdens during a crisis.
*Note: Hospital admission due to sickness is covered after the first 12 months of holding the policy.
Life Insurance with No Medical Examination
Guaranteed acceptance for individuals with pre-existing conditions.
No invasive medical tests or health screenings.
Affordable
Premiums
Starting from just £11 per month for adults and £6 per month for children.
Transparent pricing with no hidden costs.
Your One Step Away From A Policy That Meets All Your Requirements
frequently asked questions
What happens to my benefits as I age?
Benefits reduce by 50% when you reach your 70th birthday. The policy terminates at your 75th birthday.
Who is eligible for this insurance?
Our policies are open to anyone, including individuals with pre-existing conditions such as sickle cell disease. There are no medical exams or invasive tests required.
Does the policy cover children?
Yes, a single child policy protects all children in your household, from birth to age 22, ensuring comprehensive family coverage.
What does the hospitalisation benefit include?
You’ll receive cash payouts for every night spent in the hospital due to sickness or injury. Please note, coverage for sickness-related admissions starts after 12 months.
How does guaranteed acceptance work?
Guaranteed acceptance means you won’t be denied coverage due to a pre-existing condition, and no medical exams are required to qualify.
What’s the cost of the premiums?
Premiums start at just £10 per month for adults and £6 per month for children. Pricing is transparent with no hidden fees.
How do I apply for coverage?
Speak with one of our advisors, who will guide you through a simple, personalised process to find the best plan for your needs.
Who provides this insurance?
We partner with trusted providers like MetLife, One Family and National Friendly to offer reliable, customised insurance solutions for individuals and families.
How can Life and Legacy help me?
Life and Legacy takes the stress out of finding the right insurance by offering tailored advice based on your unique circumstances. With access to the whole market, we ensure you get the best value and protection possible.
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Life & Legacy Limited is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority. Life & Legacy Limited and The Right Mortgage Ltd are not responsible for any advice received from the third-party providers. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Life & Legacy Limited – Company Registration 13923962. | Registered in England and Wales | Terms of Business |Privacy & Cookie Policy