How our discounted life insurance quotes service works

The following is a guide to buying your insurance through Life Saver, from now until your policy arrives in the post.

Please note that all quotations issued do not constitute a recommendation that any product matches your financial requirements. If you have any doubts whether any product meets your needs, please contact us so that your individual circumstances can be considered.

View the Key Facts about our service for further details.

Step 1 - Choose Your Cover

Decide on the type and level of cover you require. We currently provide quotes for:

• Term life insurance
• Critical illness insurance
• Whole of life insurance
• Income protection insurance
• Accident sickness unemployment insurance

For Accident sickness & unemployment cover we usually offer products from a selected panel of providers.

Step 2 - Get an Instant Discounted Quote

Complete an instant quote for any of the policies above comparing discounted premiums from major insurers.

As an authorised selling/dealing agent with all of the insurer quoted, we are paid a commission on cover which we introduce. This commission is built into the normal charges which you pay to your chosen provider whether you buy direct or through a broker.

We partially sacrifice this commision to cut the cost and discount your premiums below the insurers normal rates. In addition, we receive further discounts from certain product providers meaning even cheaper premiums every month for you.

Step 3 - Print Your Application Documents

On the quote results screen, click the ‘next’ button for your preferred policy. View and print the ‘Key Facts’ document and the ‘Personal Illustration’. You will then be able to download and print the application form. Check the key facts document that accompanies your personalised quote, this gives a clear guide to what the policy does or doesn´t cover.

Step 4 - Return Your Completed Application Form

Once you are happy with the policy, the premium and the cover, fill in and sign the application form and direct debit instruction. Return the completed application form to us for processing. We will check and process your application the same day we receive it and pass it on to your chosen insurance company instructing them to apply your premium discount. You will receive a letter from us confirming receipt of your application form together with a Key Facts document about our services and a Data Protection statement.

What Happens Next...

You will often be given immediate cover by the insurance company based on the facts you have given in the application form.  But sometimes the insurance company will ask for a report on your health from your doctor and may ask you to have a medical examination at their cost. If there are no problems your policy will start on the date you choose and premiums will be taken from your bank account.

Once your cover has started you will receive policy documents from your insurance company containing proof of cover and details of the policy. These must be kept in a safe place for future reference.

Get started now with an instant comparision quote.  If you have any questions about applying for life insurance through Life Saver please contact us.