Life insurance

People arrange life insurance to ensure that in the event of death, their dependants and / or financial obligations will be taken care of, and the agreed amount of money will be placed in the right hands when required.

Our price promise

Term assurance and critical illness

We search the market to find you a very competitive premium for the cover you require, using well-known UK insurance companies.

We then discount that premium further by giving up part of our commission.

We don’t charge you a fee.

If you are offered a better deal elsewhere, please send us the quotation and we will almost certainly beat it.

Whole of life policies
We search the market to find you competitive premiums for three ways of paying whole-of-life assurance premiums. The three quotations will be from UK insurance companies, and are unlikely to be from the same insurance company.

About our life insurance service

Our service is available for new policies, or for replacing more expensive, existing term policies.
(If replacing existing cover, we strongly recommend you wait until receiving written confirmation from the new insurance company that your new policy is in force before terminating your existing plan.)

We search the market to find a competitive premium for your requirements, using well-know insurance companies operating within the UK.

Our service is for residents of the United Kingdom.

All life insurance policies are regulated by the Financial Services Authority.

Term insurance
Any term insurance quotation that you ask us to send you, will show premiums which are guaranteed to stay the same for the entire term of the policy unless you specifically request otherwise.

If you obtain your own term insurance quote from our website, you will be given an option for guaranteed or reviewable premiums.

Guaranteed premiums are just that – guaranteed to stay the same for the life of the policy.

Reviewable premiums will be subject to regular policy reviews, which may result in increased premiums (or a reduced amount of cover).

Three ways of paying whole-of-life assurance premiums

Maximum Cover
This gives the cheapest premium possible, to start with. Most of the premium paid goes into providing life cover, rather than investment. The premium (or the sum assured) is then reviewed regularly by the insurance company. This type of policy is likely to have the steepest increases at premium review times.

Standard Cover
This costs more than Maximum Cover, but usually costs less initially than a policy with guaranteed premiums. Compared with a maximum cover policy, more of the premium paid is used for investment, so when the regular premium (or sum assured) reviews happen, any premium increases would be lower than with a Maximum Cover policy.

Guaranteed Premium
The third quotation will show a premium, and a sum assured, guaranteed to remain the same for the entire life of the policy. | more

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