We do charge our client fees, our comparison service is free to you. We provide advice, and product information to help you find you an appropriate life insurance provider. If you choose to take out a policy we receive commission from the insurance provider.
It depends on what policy you select. Traditional stepped premiums do increase each year on your policy anniversary. Level premiums do not increase with your age for a specified period of time.
No. If you cancel your policy in the first 14 days your premiums will be refunded. After the 14 day free look period you are able to cancel your cover at any time.
No. You will pay the insurance provider directly, we do not handle payments.
You can choose your method of payment you prefer e.g., Credit card, monthly Direct Debit or Cheque.
We have products from the following participating Life insurers:
- Asteron Life
- Dorchester Life
- Fidelity Life
- Partners Life
- Southern Cross
Yes. We have trained Registered Financial Advisers who can offer insurance advice and help you with any questions.
No. You can choose your payment frequency i.e. weekly, fortnightly, monthly or on an annual basis.
In most cases no medical tests are required. Each application is considered on an individual basis. If you are required to undergo any medical test they will be paid for by the insurance provider and at no cost to you.
No. Most insurance providers do not deal directly and prefer to work with intermediaries like us. We do not mark up our polices, if fact we guarantee it.
Yes. If you are diagnosed as terminally ill and are likely to die within 12 months
Depending on the provider the payment options include:
In most cases you can, however it is important to understand the potential risks. For more information give is a call.