Our Customers rate us 4.6 out of 5
Expert declined life insurance advisors.
Being declined for life insurance can be worrying, but our qualified team are here for you. We’ll help you find the right policy against the odds.
Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
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Finding The Best Life Insurance When Declined Deal For Your Circumstances
No one knows what will happen in the future, which is why a comprehensive life insurance policy that covers your mortgage is so important. Unfortunately, applying to insurers who don’t cover your specific circumstances can lead to refusal; certain medical conditions and lifestyle factors can make you unsuitable. The good news is our experienced advisors have access to specialist insurers who will still be able to offer you terms, even if you’ve been declined before.
Finding your cover.
Taking the time to think about what will happen when you die can be upsetting, but it’s critical you spend some time doing so. Will your family be able to keep up with mortgage repayments when you’re gone, or any other financial commitments? Our advisors are here to reassure you every step of the way to comprehensive life cover. We’ll discuss your situation sensitively, and make sure you and your loved ones are fully protected from the unknown.
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We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!
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In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.
Turning Your Nightmares Into Dreams
When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.
Frequently Asked Questions
What is life insurance and how does it work?
In the event of your death, you’ll want to make sure your family and their home is protected. Life insurance policies exist for this very reason, acting as a contract between you and the insurer that if the worst happens, they will provide a cash pay out or death benefit to your beneficiaries. This can provide a lifeline to your family at this terrible time, enabling them to keep up with financial obligations whilst they grieve. If you want to find the right life insurance cover for your family, contact our team of professional advisors today!
What is the benefit of having life insurance?
Life insurance helps make sure your loved ones aren’t left struggling to pay debts when you pass away. Taking out a suitable policy will provide you with peace of mind that they’ll be able to manage even when you’re not there. It can mean the difference between your family and children staying in the home debt free or having to sell up because they fall behind on mortgage payments, or the home becomes too expensive to maintain.
Can I get life insurance if I’ve been declined in the past?
Yes, don’t worry! Quite often when someone is declined life insurance it’s because they haven’t had the right advice or haven’t approached the right insurers. When the Bank Says No has specialist experience helping clients navigate the market for life insurance policies, and will endeavour to find the most appropriate deal the second time around. The amount of providers you have access to will depend on your current and past medical history. We’ll discuss your circumstances with the utmost sensitivity and discretion and make sure you have the right protection in place, regardless of this past refusal. Talk to us today!
Can I get life insurance if I have medical issues?
Why should I discuss life insurance with an advisor when I can do it online?
You can set up a policy yourself, but insurance can be complicated, and it’s important to fully understand all the ins and outs of the cover before you make any decisions. Working with an expert instead can provide you with total peace of mind that you are taking out the most appropriate and most comprehensive cover within your circumstances. A qualified advisor will be able to make sure your insurance policy is set up in the most tax efficient way possible and that you are fully protected.
What is the most cost effective life insurance policy?
There is an idea out there that life insurance is expensive, but it doesn’t have to be. There are good deals out there that providing adequate protection and cover, meet your expectations and are financially achievable within your other commitments. The right deal for your circumstances will depend on your medical history, current health, and other lifestyle factors, so there is no single answer to this question. The best thing to do if you’re looking for a cost effective policy is to talk to our team of insurance advisors. We’ll discuss your sensitive information with care and understanding before providing you with bespoke recommendations.
How do I know that the life insurance will pay out?
Specialist advice for declined life insurance.
When the Bank Says No has helped prospective and current property owners all over the country secure their finances in the event of the unknown. From customers who have been previously declined to those with serious illnesses, we’ve helped a wide range of people access the protection they need. We’re passionate about helping our customers proceed with their future plans without stress. With the right protection, you can live in the moment and take on your mortgage with confidence.
What Our customers say about us
Our Customers rank us 4.6 out of 5
We feel so fortunate to have found WTBSN
We found WTBSN after landing in a really tricky situation. We were out of term on our current mortgage and our existing broker had exhausted all options to re-mortgage due to the complex nature of our holiday let property (Grade II listed, timber frame construction and above commercial). Working under considerable time pressure due to the financial penalties being imposed by the existing lender, Brian was relentless in his search for a solution that would allow us to refinance a property that was on face value mortgageable. Thankfully, he didn’t give up and nine months later, we completed on the re-finance. We feel so fortunate to have found WTBSN and would like to thank Brian and the team sincerely for going the extra mile. We couldn’t have done it without you!
Rachel Reeves
Simply the best
I will never use another mortgage broker in all my time In property, these guys are the best at communication, customer service and keeping you informed. They are a level above every other broker I’ve come across and they actually get things done.
Emma, Samantha & Ashley have been fantastic in assisting me with 2 mortgages now and they’re superb at what they do. I wouldn’t hesitate to reccommend them to anybody out there who needs a mortgage sorting.
John Burton
I have been dealing with ben
I have been dealing with Ben @ When The Bank Says No. He has been great!! Professional, kept us up to date the whole way and made the entire process so simple. I would most definitely use him again and have already passed his details on to a family member. Thank you for all your help.
Elise
Thank you for your amazing support
Thank you for your amazing support and service during a really difficult time in my life. 5* is just not enough to demonstrate the level of support received. These guys go above and beyond. A personal service, with kindness and compassion. I highly recommend. If you’re struggling with your mortgage, then have a chat to this team. I cannot thank them enough for everything they have done.
Nabila Fowles-Gutierrez
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