Fee free Life Assurance advice

Cheap Life Cover is not always the most suitable Life Cover:

Suitability:

With Life Assurance (insurance) cheapest is not always the best, sometimes one type of cover could be more suitable for you than another & it very much depends on your circumstances & requirements but also on your budget.

A specialist protection adviser can talk you through the best options for you and your family.

What Type of Life Assurance do I need?

Cost:

Whilst on the surface the cheapest provider might seem like the best provider often it’s not the case. Once you have been underwritten & your individual circumstances & health assessed you could find your premium is loaded to such an extent that another provider might have been cheaper for you.

There are several key areas where you are assessed:

• Occupation
• Health (Height & Weight, Illnesses, Alcohol consumption etc). Healthly lifestyle calculator 
• History of Hereditary Illness within your immediate family
• Hazardous Pursuits (Mountain Biking, Diving, Rock Climbing etc)

There are certain actions a life provider can take once they have underwritten your case:

• Decline you
• Load your premium
• Exclude a certain element of the cover or exclude covering you in certain circumstances

Our specialist protection adviser will establish the provider that is least likely to load / decline or exclude:

Request a call