TIPS FOR USING THE QUOTATION SYSTEM

This quotation engine will allow you to generate figures for life insurance (lump sum benefit or income benefit), and critical illness cover.
You can also quote based on benefit or premium levels and single or joint life cover. Rates can be guaranteed or reviewable.

To apply for cover please click here.

It is useful for us if you can give us your 'Quote Ref:' ' which is listed just above the 'Re-Quote' button. With that 'Quote Ref:' we can access our system and identify the figures you have produced.

Life Insurance

Benefits as lump sum

For sum assured to stay level select 'Term' and 'Level'
For sum assured to increase with inflation select 'Term' and 'Increasing'
For sum assured to cover a repayment mortgage select 'Mortgage Protection'

Benefits as Income

Select 'Family Income Benefit'

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Critical Illness Benefit

Select 'Death and Critical Illness' (recomended rather than 'Critical Illness' only)
For sum assured to cover a repayment mortgage against Critical Illness select 'Death and Critical Illness' and 'Mortgage Protection'

When you select 'Death and Critical Illness' you will be presented with 8 critical illness/total permanent disability options. We recommend you do not selected any options the default settings will cover most eventualities.

Benefit driven by

Allows you to select by level of cover required 'Benefit' or monthly budget 'Premium'

Interest Rate

This selection appears when you select 'Mortgage Protection' and can be left at the default of 8.
(the higher the interest rate the longer it takes for the cover to reduce to zero. Therefore setting a lower rate will lower the premium and a higher rate will increase the premium)

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Waiver Basis

Option to include payment of the policy premium by the provider if you are unable to work due to sickness

Reviewable rates

We recommend guaranteed rates which will not rise during the term of the policy. (Reviewable rates can seem more attractive but the Provider has the right to increase premium rates at regular points during the term of the policy)

Cover basis (single or joint)

If only person listed as Client One requires cover select 'Single Life 1'
If person listed as Client Two requires cover select 'Single Life 1'
If both 'Client One' and 'Client Two' require cover select 'Joint First Event'


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Running the quotation

Select 'Get Quote' - page will read 'Waiting for quote ...' whilst quotes are sourced

Results will then be listed at the top of the page in order of premium levels (or best figures only if quote is premium driven)

To run another quote use 'Re-Quote button' at the top of the page

Applying

To apply you can use our links


To apply please click here.

It is useful for us if you can give us your 'Quote Ref:' ' which is listed just above the 'Re-Quote' button. With that 'Quote Ref:' we can access our system and identify the figures you have produced.

If you need help call 08456 44 0950