Once we receive your quotation request we run a series of checks on the most competitive "normal" rates that you would be offered. We operate a sophisticated quotation system which determines the most competitive "retail" life insurance in the current market.

By a process of reduction in commission and negotiation with the insurers who compete in this sector we will inform you, by email, of the best terms we can obtain.

If you are happy with the figures we will email you the application forms or link you into a site for an electronic form for completion. You may need to print this and return it to us. Once we have completed the underwriting process we will inform you when cover will go on risk.

Dependent on the level of cover required you may have to provide medical information or in some cases attend a medical examination.