Why choose us for your life insurance?
Our advantage we will advise and tailor each insurance policy exactly to your needs this prevents you paying for excess cover. Once we have agreed on the right type of policy with you, WE SEARCH THE ENTIRE UK INSURANCE MARKET to see which company will arrange it for the best price.
This personal service comes at no extra cost - our friendly but efficient service means that clients return whenever they have an insurance need, and often refer others to us.
We will also advise free of charge on whether you can save money by using a trust, by altering your will, and even altering your mortgage. Just ask!
Which life insurance is best for you?
We will help you with your choice:
Single (no dependents)
- Income protection
- Mortgage protection for critical illness
Couple (no dependents)
- Income protection
- Joint mortgage protection life & critical illness
Couple + children
- Income protection
- Joint mortgage protection life & critical illness
- Family income benefit for spouse
Critical illness
Pays out a lump sum on diagnosis of one of a list of critical illnesses. The most common diagnosis are for cancer, stroke & heart attacks. Statistically the chance of a critical illness policy paying out is about 3 x that of a life insurance policy, so the premiums are about 3 x the cost of life cover alone.
Interest only mortgage
The best policy is for the amount of the mortgage over its entire term. This may be joint or single life, and include critical illness cover.
Repayment mortgage
A mortgage protection policy is the most cost effective as the insurance will decrease as the mortgage is paid off. This policy can be arranged to pay out on death or diagnosis of a critical illness.
Family protection - income
Insuring the full lump sum that is needed may be costly an alternative is to have the benefit paid as an income each year. This is much more cost effective
Family protection lump sum
The amount of benefit & term of this policy are key if your mortgage is covered, how much of a lump sum would be needed to replace the main income. Dont forget also to cover a spouse who looks after the children.
For more information and quotations on our life insurance range please use the quick, easy form on this page.
Bookmark /add to favorites now!
Internet Explorer users click
here,
others, right click here > 1st-Life-Insurance.com.
Please click here to tell a friend or colleague about this site.
|
|
|
UK Life Insurance Website Terms of Use:
Privacy statement
This Privacy Statement may be updated from time to time, so please ensure that you read it carefully each time you supply any data to us.
Data Protection
We are committed to keeping your customer data confidential and will process any information you give us in accordance with the Data Protection Act 1998. The Data Protection Act 1998 states that personal data must be processed fairly and lawfully. This means you have the right to know how we intend to use your personal data. You can then decide whether you want to provide the information.
Collecting Information
Data collected via this web site may include your name, e-mail address, telephone number and details of your enquiries.
1st-life-insurance.com website user agreement and terms of use:
Use of the 1st-life-insurance.com ("we", "us", "www.1st-life-insurance.com") website ("the site")
constitutes acceptance of the 1st-life-insurance.com Website User Agreement
("the agreement") and Terms of Use ("terms"). The user of the site ("you")
represent that you have read and understood these terms and agree to
be bound by them. If you do not agree to all the terms and conditions
on this page, please do not use this website. Use of any internal or
external links on the 1st-life-insurance.com website constitutes acceptance
of the terms on this page. If you do not agree with these terms, please
exit this site by closing the browser window.
The terms "1st-life-insurance.com", "www.1st-life-insurance.com" encompass the 1st-life-insurance.com Internet Site and Marketing Communications.
In order to use
this site you must agree to be legally bound and to abide by the terms
and to indemnify and hold the operators of the 1st-life-insurance.com website
harmless from all alleged or actual damages, claims and expenses relating
to any warrant, guarantee or representations made by the individual
service providers featured within this website or linked websites. This
also includes, without limitation, attorney's fees. The use of this
site for any reason is deemed to be an agreement of this condition.
DISCLAIMERS
Bearing in mind
that this is a free "public access" site, it is a condition of use of
the site and the materials in it that use is at the user's own risk.
We give no representation or warranty as to the accuracy of the content
of the site and assume no responsibility for errors or omissions in
it or the effect it has upon your computer. We disclaim all liability
in respect of such information and its provision. Neither 1st-life-insurance.com nor any of the site's administrators, editors or contributors
shall be liable for any loss or damages suffered as a result of any
use of the site, including but not limited to direct loss, consequential
loss and loss of profits. We do not assume, and therefore disclaim,
any liability for any loss or damage caused by errors or omissions.
1st-life-insurance.com
is provided on an "as is" and "as available" basis. We shall not be
liable for any direct, indirect, incidental, special, or consequential
damages. This includes, without limitation and even if we are advised
of the possibility thereof, any damages for loss of goodwill or any
and all other commercial damages or losses including loss of profit,
that result from the use of, or inability to use 1st-life-insurance.com. The
user agrees not to rely on any information obtained from the 1st-life-insurance.com website and indemnifies us from mistakes, omissions, errors,
interruptions, delays of service or performance, defects, harmful components,
viruses and bugs, howsoever caused. It is the user's duty to execute
anti-contamination or virus software and ensure that any information,
if contaminated or infected, will not damage the user's information
or system. The entire risk as to the use of the 1st-life-insurance.com website
is with the user. 1st-life-insurance.com or its agents are not responsible
or liable for telephone, network, ISP, electronic, computer or other
communication problems or failures of any kind. Personal information
sent to 1st-life-insurance.com is at the senders own risk.
This independently
owned website acts solely as an advertising and marketing vehicle to
attract the businesses of financial professionals and, as such, the
owners, webmasters and marketing professionals of this website are unable
to offer financial advice. Any information contained on the website
does not form the basis of any contract. Business or financial decisions
should not be based solely on the information contained within this
website.
INDEMNITY
In order to use
this site you must agree to be legally bound and to abide by the terms
and to indemnify and hold the 1st-life-insurance.com website harmless from
all alleged or actual damages, claims and expenses relating to any warrant,
guarantee or representations made by the individual merchants or linked
sites. This also includes, without limitation, attorney's fees. The
use of this site for any reason is deemed to be an agreement of this
condition.
AVAILABILITY
OF SERVICE
We do not warrant
or guarantee that the 1st-life-insurance.com website will be uninterrupted
or error-free.
LINKS AND
SITE CONTENT
We do not make any
warrant or guarantee, either expressed or implied as to the accuracy,
validity, completeness, suitability, reliability, or currency of any
information content within its site or sites to which it is linked to.
Links to other websites are provided solely as a resource guide and
do not represent an endorsement or guarantee, either expressed or implied.
The 1st-life-insurance.com website does not assume any liability for any of
the products, services, or data of any other sites. The 1st-life-insurance.com website is a facilitator of links to the content of other sites
and as such has no editorial control over the content of such linked
sites in the same manner that a public library has no control over the
content of the books that it distributes. It is the responsibility of
the user to evaluate the information, opinion, advice, or other content
contained within the site. We cannot be held responsible or liable for
any loss or damage due to reliance on information obtained through the
1st-life-insurance.com website.
INFORMATION
INDEMNITY
The user agrees
not to rely on any information obtained from the 1st-life-insurance.com website
and indemnifies us from mistakes, omissions, errors, interruptions,
delays of service or performance, defects, harmful components, viruses
and bugs, howsoever caused.
SEVERANCE
If a term, covenant,
provision, or condition of this agreement becomes, or shall be held
by any court of competent jurisdiction to be against public policy or
illegal, all remaining provisions of this agreement shall remain in
full force and effect and unaffected, impaired or invalidated by this
decision. The invalidated item shall be modified by the parties to the
full extent possible to carry out all the intentions and directives
stated in this agreement.
GOVERNING
LAW
Any such contract
will be interpreted, construed and enforced in all respects in accordance
with the laws of England, and you and 1st-life-insurance.com irrevocably submit
to the non-exclusive jurisdiction of the English Courts.
This agreement is
governed by English law and all disputes will be handled solely in the
United Kingdom. English Courts will have jurisdiction in respect of
it. You consent to such venue and jurisdiction. The 1st-life-insurance.com
website is controlled and operated from offices in the United Kingdom
and makes no representations or warranties that its content or use is
legal in other locations.
HEADINGS
Headings are for
reading convenience only and are not to be used in the interpretation
of this agreement.
VARIATION
Whilst it is not
our intention to do so, the operators of the 1st-life-insurance.com Website
reserves the right to change its policies and terms at any time. Any
such changes will be posted on this page.
We do not assume,
and therefore disclaim, any liability for any loss or damage caused
by errors or omissions.
1st-life-insurance.com
is not associated with other companies who own similar sounding names.
If you do not agree to all the terms and conditions on this page, please
do not use this website. Use of any internal or external links on the
1st-life-insurance.com website constitutes acceptance of the terms on this
page.
If you do not agree
with these terms, please exit this site by closing the browser window.
DATA PROTECTION
ACT 1998
I/we confirm that
I/we have the consent of any third party whose details I/we may disclose
to 1st-life-insurance.com ("You") to disclose such details and to authorise
You and the third parties referred to in the paragraph below to process
such details for the purposes of assessing my/our application and administering
and enforcing any subsequent loan which may be granted to me/us.
I/we agree that
You and any advisor resulting from this application (the "advisor") shall
be entitled to use and process, by any medium, the information given
by me/us in this application form and any other information about me/us
which may be acquired during the lifetime of any loan ("the Data") for
the following purposes:-
i. to provide
the Data to and search the files of one or more credit reference or
fraud prevention agencies whether before, or during the lifetime of
any loan granted to me/us by the advisor, who will keep a record of
such search, to confirm the Data, and for the purposes of credit assessment
or account administration. I/we understand that You and /or the advisor
will record false or inaccurate information if this is given by me/us
and fraud is suspected.
ii. To disclose
the Data to credit reference agencies when requested by them for consideration
of any future applications for finance made by me or members of my
household/family, or for fraud prevention and/or tracing debtors (the
agencies may also disclose the Data to other advisors for these purposes)
iii. to disclose
the Data to any other company within the advisor's group of companies
and/or to any third parties (for example, debt counsellors and insurers)
at any time for the purposes of assessing my/our application and administering
and enforcing any subsequent loan whether during the course of my/our
application or during the lifetime of any loan granted pursuant to
such application;
iv. to disclose
the Data to any third party who replaces or who may replace my/our
advisor.
PREVENTION OF MONEY
LAUNDERING
The advisor and other
organisations may use and search the records of credit reference or
fraud prevention agencies to check your identity to prevent money laundering,
unless you have furnished other satisfactory proof of identity.
RIGHT OF SUBJECT
ACCESS
Information held
by us will be processed only for purposes for which we have registered
under the Data Protection Act. Upon you making a request in writing
we will provide you with a copy of the information which we hold concerning
you on payment of a fee.
PERSONAL DETAILS
AND DATA PRIVACY
The personal details
which you submit to us (Personal Data) are held by 1st-life-insurance.com
for its own use. It is your responsibility to ensure that your Personal
Data is accurate and up to date and to inform us of any changes that
need to be made. 1st-life-insurance.com may use the Personal Data for the
purposes they have notified to the Office of Information. By submitting
your Personal Data you CONSENT to it being processed by 1st-life-insurance.com.
QUESTIONS/COMMENTS
ABOUT OUR TERMS AND CONDITIONS?
If you have any
questions/comments about our terms, you should email us at:
info@1st-life-insurance.com
Registered Address:
22 Willow Green
Ingatesone
Essex CM4 0DQ
Tel: 01277 352983
Life insurance enquiry?
How do you get the right insurance policy for the best price?... Not sure what type of income or mortgage protection you need?.... Do you need critical illness cover?...
|
Step 1: Complete your details below with our quick and easy confidential NO-OBLIGATION life insurance enquiry form - either just your contact details, or full information for a quote.
|
|
|
Step 2: Expect a call from a qualified life insurance adviser to discuss your requirements in detail and give you a definitive quote.
|
Please complete all fields to help us give you the fastest and most efficient service
Thank you for submitting your enquiry. We are currently processing your request, please wait for the next page to be displayed, which could take up to 45 seconds.
|
