Where does the process start?

Please complete the details in the quotation calculator and our system will search the life insurance market for the best life insurance quotes currently available.

Once you have your initial results you can view alternative quotes by using the recalculate feature.You can also view how the policy premium changes with the introduction of optional extra cover such as indexation, conversion and serious illness cover.

Below the results is an apply button where you can complete your contact deatils.

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What happens when I submit my application?

Clicking the apply button is the next stage in our no obligation process.
Your enquiry will be reviewed by an Experienced Financial adviser who will send you a detailed quotation comparing the various offers from the Major Life Insurance Companies across a range of products.

Your adviser will contact you to discuss the product comparison information and deal with any questions you may have, explain the various options in order to find a product to meet your needs.

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What are the most important points for me to consider?

Buying life insurance is an important transaction which we believe should be supported by Professional Independent Advice.

Before recommending a life insurance product,  your adviser will consider a range of factors including:

  • Basic facts in regard to your existing financial position and your plans for the future
  • Which products best meets your needs?
  • What level of cover is appropriate to your circumstances?
  • Whether there is likely to be any increase in your premium due to medical circumstances
  • If you are replacing existing cover, reviewing the terms of this policy to establish if there is a risk of you losing any benefits associated with the  policy?
  • How much can you afford to spend ?
Your adviser will provide you with appropriate advice in regard to these questions.

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What happens after I receive the product comparison information?

You have a number of options in regard to progressing to policy issue:

  • We can agree a suitable time to go through an online application by phone with you, email the completed application which you can sign and return to us.The online application process will give immediate underwriting decisions
  • If you prefer, we can set up an appointment to meet you to discuss your requirements, complete any forms necessary and advise you on alternative options.
  • We can send you an application form in the post which you can complete and send back to us.

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Will I have to do a medical?



In general medicals are non required for typical life cover applications with standard health history.

Once our consultant has completed his advice and has received a signed proposal form our administration staff will look after all matters required to arrange policy issue. 

Sometimes,depending on the information in the health questionaire, the life company may require your doctor to complete a standard medical history report.

If you have a non standard medical history you may be asked to attend a medical.Similarily if the level of cover you require is very significant and you have a standard medical history you may have to attend a medical.

Your Financial consultant will advise you on these matters.

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