Frequently Asked
Questions
LIFE INSURANCE
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How do I
decide how much life cover need?
Your circumstances will be totally individual
and each person’s circumstances will determine how much life cover they
need. Our Independent Financial Advisers are available to discuss your
circumstances with you to ensure you are adequately protected.
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If I decide
to take out life cover will I need to go for a medical?
Once your
application has been submitted to the insurer it will be assessed by a
medical underwriter.
The life
insurance provider will either accept your application immediately, or
they could request a medical report from your General Practitioner. You
may also be asked to attend a medical examination, which will be paid for
by the insurer.
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How do I
request a quotation?
Please go to
the Life Insurance quotation request page, where you will be asked
to input your details on the request form, once this is done, click on
“Submit”
Within 24
hours, contact will be made to ensure the correct quotation is prepared
for you.
Within your
quotation pack you will find paperwork which needs to be authorised by
you, to enable your application to be processed.
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Why use
life Insurance Quote?
Life
Insurance Quote Site are totally independent and search the leading life
insurance providers in the UK, for the cover you require at the cheapest
cost.
A quotation
pack will be sent to you and will contain paperwork for you to authorise
and return, an application can then be processed for you at the most
competitive cost.
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Is a fee
charged?
Life
Insurance Quote Site do not charge a fee for providing you with their
independent service.
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Does it
make a difference to the cost of life cover if I smoke?
Yes, the cost
is higher if you smoke. In order to be accepted as a non-smoker, most
life insurance providers require that you have not smoked any tobacco
products for at least 12 months
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Once a
premium is quoted, will it change?
If the life
insurance provider is happy with your application and are satisfied with
your state of health, your application will be accepted at normal rates
and the premium will be as quoted. If the life insurance provider is
concerned by any medical details you have disclosed, then they may apply a
rating to your application, which can result in an increase in premium.
Once the terms have been offered, there is no obligation and you are free
to decline the cover, should the cost become too expensive for you.
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