Life Insurance Cover

We are pleased to provide you with some introductory information about life insurance cover.

What is Life Insurance?

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With life insurance, if the policyholder were to die whilst the insurance was in force, the insurance company pays out a tax-free lump sum.

Life insurance is usually used to protect a mortgage or simply to provide cash for the family in the event of the policyholders' death. The cover can be in a "level term" format or a "decreasing term" format.

Through us you can get quotations for life insurance policies from all the largest UK life insurance providers. Companies such as Legal and General, The Pru, Scottish Equitable, Scottish Provident, Scottish Widows, Axa, and Norwich Union. They're all famous names and the largest life insurance companies. But they only provide life insurance cover for UK residents.

The general public are not normally aware that each life insurance company tends to specialise in certain parts of the life insurance market. This can make it very difficult to predict which company will provide the cheapest life insurance for any specific client. In addition, the life insurance market is so competitive that the companies sometimes vary their premium rates on a day-to-day basis.

That's why all the Advisers working with our partners, use state of the art technology to select the company that offers you the very best life insurance at the lowest possible price.

When the Adviser contacts you, he/she will initially take a few minutes to clarify the details of the life insurance cover you need. Then, you'll get a very competitive quote. The Adviser can also provide you with quotes with a number of optional extras. You can then see what they cost. For example, indexation, waiver of premium or critical illness cover.

Some of our visitors may not understand the technical terminology associated with life insurance cover. But don't worry - you can discuss the terminology with the Adviser. He/she will be pleased to explain it to you, and in plain English!

Experience has shown us that 50% of visitors change their mind about the exact form of life insurance they need, once they've spoken to an Adviser. This isn't perhaps surprising as, some aspects of life insurance are difficult to understand - and it isn't as if you buy life insurance every day!

Because of these potential pitfalls, we want to ensure that you get expert advice - and without exception. Occasionally our adviser will know of a solution that'll get you even better value for money simply by adjusting a few details on your quotation. But in the end the decision's yours.

Why not Request a Quote right now? An adviser will contact you very soon