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How much will the premium be?
Your premium reflects the level of cover you want and how long you want to be insured for. It also reflects the risk to the Insurance Company that you may make a claim. This risk is conditioned by your age, sex, occupation, health record and life style etc.
Why is insurance more expensive for smokers?
On average, the premium for a smoker is around 65% higher than a non-smoker. The reason is quite simple – non-smokers are generally healthier and live longer.
Does your age affect your premium?
Yes, your age is one of the most important aspects that determines your premium. (Other important aspects include the level of cover you want, whether you are male or female, whether you are a smoker, your occupation and health record.)
How do you go about making a claim under your policy?
Claims are made directly to the Insurance Company who issued your policy. Details of how to claim will be found within the booklet they provide with your Application form and policy.
Can A Claim Be Made If The Policy Is Lost?
Yes. Simply contact the Insurance Company and they’ll send a “Lost Policy Claim Form”.

Complaining about Misleading Advertising

If you believe that a web site is misleading you should write to the Advertising Standards Authority. Their web site provides full details of how tmake a formal complaint and you’ll find it at: -

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Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

www.asa.org.uk

If the website sells financial services you can make a formal complaint to the website operator. You'll find details of how to make a complaint within their terms of business which will be published on the website.

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