Why use us for life insurance ?
We are a professional insurance brokerage who are authorised and specialise in protection insurances such as life insurance.
Unlike many other life insurance web sites on the internet, our partner is staffed by staff who are all trained to give advice to our clients. This means that not only do you get one of the cheapest life insurance available in the UK, but they will make sure that you get the policy that best matches your needs and are able to answer any questions you may have.
As specialists, we only deal in protection based insurance. This means that we are experienced with the following insurance types:
- Life Insurance
- Critical Illness Insurance
- Accident Sickness and Unemployment Insurance (ASU)
- Income Protection (Income Replacement/Permanent Health Insurance)
- Mortgage Payment Protection
We are also able to recommend replacement or top-up life insurance policies, providing that we can demonstrate that any recommendations we make are in the best interest of the policy holder, we would not recommend a replacement policy just because we are going to earn commission from the new policy. We are regulated for general insurance but we are a non-advised sale.
As a specialist company, we have the ability to search the market place for the best life insurance policy for you at the lowest possible price. You will be pleased to know that our service is free to you, the customer, and we are often able to offer discounts on the policies provided by the leading life insurance companies in the UK.
Remember, by asking us to arrange your life insurance policy you can be sure that :-
- The policy lets your loved ones receive a fixed cash sum
- Your premiums will never rise (except for any future government tax changes)
- You can choose a single or joint policy
- You can choose the amount and length of life cover that you think is suitable for you based on your own circumstances.
Please note that there are two basic types of life insurance; term insurance and whole life. "Term" life insurance is usually available on either a single or joint life basis and some plans also have additional benefits such as paying out on the diagnosis of a terminal illness during the term of the policy for example 15 or 20 years, although the actual term is decided by you at the outset and could be as little or as long as you want (within reason). If the policyholder or policyholders are alive at the end of the term the policy expires and no payment is made. If you stop paying premiums at any point during the term, the policy lapses and has no value. "Whole of life" insurance is different in that you are covered for the whole of your life (or in the event of a joint life policy until the 2nd policy holder dies). Once again, if you stop paying premiums at any point during the life of the policy, the policy will lapse and have no value.