Once you've got your quote, what's the next step?

If you decide to go ahead you’ll need to fill in an Application form.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

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

Hot Topics

If you’re asked to supply more information or go for a medical, will the premium increase?
No, not necessarily. If you’re asked for more information or to have a medical it does not automatically follow that your premium will increase. To put this in context, in our experience 88% of people who apply for life insurance qualify for the price first quoted.
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.
If my premium is “Rated”, what does that mean?
If your premium is “Rated” it means that the insurance company will only agree to insure you if you pay a higher premium than the one they originally quoted. This happens because, following receipt of your Application and any follow-up information they required, the insurance company believes you to represent an above average risk. (In extreme situations they will simply decline to insure you.)
Are there any extras to pay?
Definitely not! There are no hidden extras when you buy life insurance through ClickLife our Life Insurance Partner.
What causes delays and can delays be reduced?
The most common cause of delay is enquiries about your health.
If your life insurance quote meets with your approval and you decide to proceed, let LifeSearch know and they will send you an Application form to complete and return.

This application can also be completed over the phone, with the help of a customer service representative who will be able to answer any questions you may have.

If you need the insurance cover in a hurry, completing the Application by phone will always be the best option and could mean that you have cover in place almost immediately.

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -