MBF don't pay until 15 months later
Then they palm you off to the Financial ombudsmen for dispute resolution
Personally - I know a few people that would strongly advise against them.
Check all the fine print, declare everything, ask to see their claim forms, send them your full medical history upfront and beware that you will prob have to fight if you make a claim.
This topic makes great flight deck conversation - ask about and get all the FACTS