Still have questions? We’ve got answers

99% of the time we can arrange cover on standard terms, meaning there will be no increase in premiums because of your job.

Yes, you’ll be covered 100% of the time 24/7/365.

Yes, you’ll be covered 100% of the time regardless of the mode of travel.

Yes, we can provide cover for partners on the same basis. We’ll just need their DOB, smoker status and how much cover they want and for how long.

Yes, we can arrange cover for people working overseas. There are some location hotspots (such as conflict zones), but that doesn’t mean we can’t get you covered. We’ll just need to ask a few additional questions.

Most policies provide a level of cover for children if diagnosed with a specified critical illness. This is typically £25,000 but could increase to £50,000 depending on the policy and provider.

All life & critical illness policies we arrange are on a guaranteed premium basis, meaning the monthly costs will stay the same for the duration of the policy.

We write all policies in trust meaning if you were to die, the lump sum will pay out to the beneficiaries you have selected, which avoids any potential inheritance tax and usually pays out within 30 days of a claim.

Yes, we complete all applications over the phone, which usually takes no longer than 15-20 minutes, and subject to standard underwriting you could be covered immediately.

Yes, we can. Generally, if you have an older style policy, this may have exclusions or increased premiums because of your occupation. We may be able to replace it, so it has no exclusions or increased premiums.

Our specialist advisers know the market inside out. Your guarantee of value and quality.

This will depend on you and your family. Talk to us and we’ll work out the right amount.

Cover should last as long as support is required. We’ll establish how long that is.

During the ‘get to know you stage’ we’ll identify and advise you on the right cover at the best price.