Life Insurance - Home

FSA Information

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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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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UK Life Insurance is totally independent and will provide access to professionals who will 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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UK Life Insurance does not make a charge for it's service

 

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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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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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Please go to the UK Life Insurance home page and click on “Life Insurance Quote” 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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