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About Us

TheBestLifeInsurance.co.uk is a trading style of Pioneer Web Ltd which is registered in England and Wales, Registration No. 07716468.
Registered address: 24 Brewsters Road, Nottingham, NG3 3BP.

TheBestLifeInsurance.co.uk is a UK based online life insurance quote comparison service that specializes in helping you find the best life insurance cover by comparing the best policies from top UK providers.

There are many price comparison websites out there, so why choose TheBestLifeInsurance.co.uk?

How does TheBestLifeInsurance.co.uk make money?

TheBestLifeInsurance.co.uk is totally free for you to use. In order to keep this service free we charge the adviser who we send your enquiry to. This charge may be fixed or variable but will only relate to the introduction of you to the financial adviser. We will not receive nor charge any other amount to you or the financial adviser your details are passed to other than that described above.

Data is collected, processed and maintained in accordance with the Data Protection Act 1998. Registration Number: ZA036634.

Terms & Conditions

1. General

Access to and use of this Website is subject to these Terms of Use and our Privacy Policy. By accessing and using this Website you agree to be bound by and to act in accordance with these Terms of Use and our Privacy Policy. If you do not agree to these Terms of Use or our Privacy Policy, you are not permitted to access and use this Website and you should cease such access and/or use immediately.

By using the website, you undertake that you are aged 18 years or older.

If you breach any term of these Terms of Use, your right to access and use this Website shall cease immediately.

We reserve the right to amend these Terms of Use from time to time without notice by amending this page. The amended Terms of Use will be effective from the date they are posted on this Website. As these Terms of Use may be amended from time to time, you should check them whenever you visit this Website. Your continued use of this Website will constitute your acceptance of the amended Terms of Use.

TheBestLifeInsurance.co.uk is an online information source for life insurance. TheBestLifeInsurance.co.uk provides a free life insurance quote search service. It is owned by Pioneer Web Ltd.

Alterations to these terms and conditions can be made on occasion and once published, these alterations will become immediately effective.

2. Our Service

We provide an independent online service which enables you to research and compare life insurance products or services provided by third parties whilst using this Website. Our comparison service is free for you to use. We do not add any fees or commissions to the products or services you compare. Instead, we will introduce you to other parties who provide products or services. We are paid by charging those third party product or service providers a fee and/or commission for introductions made.

Any financial information featured on the website or accessed via a link from the website is not considered to be financial advice from Pioneer Web Ltd or TheBestLifeInsurance.co.uk. Pioneer Web Ltd is not authorised by the Financial Conduct Authority (FCA) regarding financial products and should not be regarded as a financial advisor.

Please be aware that nothing on this Website is, or shall be deemed to constitute, financial, investment or other advice or a recommendation or endorsement by us in respect of any product or service referred to on this Website. Information on this Website is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the product or service that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website, we suggest that you seek independent professional advice before you obtain any product or service via this Website.

Please be aware that nothing on this Website is, or shall be deemed to constitute, an offer by us or any third party to sell to you any product or service or to enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted.

We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.

We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice from time to time.

3. Permitted use

You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this Website other than for your personal, non-commercial purposes is strictly prohibited.

You are not permitted to use this Website:

You may operate a link to this Website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this Website in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this Website at any time and we may withdraw any linking permission at any time.

4. Intellectual property rights

The copyright in the information, content, material or data displayed on this Website belongs to us or our licensors. You may temporarily print, copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions:

All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trade marks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us or our licensors and all such rights are reserved.

Except as set out elsewhere in these Terms of Use, none of the intellectual property rights belonging to us or our licensors in and relating to this Website (including information, content, material or data displayed on it) may be used, copied, modified, published, extracted, utilised, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted or distributed by you without our prior written consent.

All rights in TheBestLifeInsurance.co.uk are owned by Pioneer Web Ltd.

You shall retain ownership of any views, opinions, reviews, ratings, comments, content or material you submit, display, distribute, upload, post, share, publish or otherwise make publicly available on or through this Website (User Content). You grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited licence to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilise, extract, make available and transmit such User Content in any manner and for any purpose.

Sections 5, 6 and 7 are important and you should read them carefully as they exclude or limit our liability to you and detail your responsibilities.

5. Limits to our liability

Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.

Whilst we use reasonable endeavours to ensure that information on this Website is accurate and up to date and to correct errors as soon as we are able to after becoming aware of them, we do not check, monitor, review, verify or endorse, and we are not responsible or liable for any loss or damage you may suffer or incur in connection with, any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from this Website or any third party websites. Such information, content, material or data may be inaccurate, incomplete or out of date. It is your responsibility to check that such information, content, material or data is accurate, complete, correct and up to date.

Any views, opinions, advice, reviews, ratings or comments on this Website or any third party websites which are made by third parties (including User Content if any) do not represent our views, opinions or advice, should not be relied upon by you and are not checked, monitored, reviewed, verified or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, reviews, ratings or comments including in relation to their accuracy, truthfulness or completeness.

We do not give any warranty or guarantee that this Website, any third party website or any information, content, material or data on this Website or any third party website is free from viruses, spyware, malicious software, trojans, worms, logic bombs or anything else which may have a contaminating, harmful or destructive effect on any technology. You must ensure that you use appropriate virus checking software. We are not responsible or liable for any loss or damage you may suffer or incur in this regard where caused by any third party.

We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception or decryption of it by others.

We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this Website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.

We are not responsible or liable for any loss or damage you may suffer or incur in connection with any inability to access and use this Website for any reason.

6. Exclusion of our liability in respect of third party advice, assistance, websites and products or services

You can apply for a number of products and services via this Website. These products and services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.

Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it.

If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.

We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by third parties over whom we do not have control. You access and use these third party websites at your sole risk and your sole discretion. You are solely responsible for any use of these third party websites and for any decision to obtain or refrain from obtaining any of the products or services available on such third party websites. Any links to third party websites are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise). We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party websites or for any acts, omissions, errors or defaults of any third party in connection with their website.

Your use of any third party website will be governed by the terms and conditions of use and privacy policy applicable to that website. Such terms and conditions of use and privacy policy will be different from these Terms of Use and our Privacy Policy. It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any third party website before using that website. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any third party website or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy.

Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party's views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.

Please be aware that whilst this Website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for you than those shown on this Website

7. Your responsibilities

You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content) is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.

You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.

You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this website.

8. Complaints

Our aim is at all times to provide you with an excellent service. If you are unhappy with our service for any reason, please contact our Customer Services Team by writing to address or by email to customercare@thebestlifeinsurance.co.uk.

We will aim to resolve your complaint within 48 hours. If we are not able to do so, we will provide you with an acknowledgement. After we have had an opportunity to investigate your concerns, we will issue you with a final response. Depending on the nature of your complaint and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0845 080 1800; email: enquiries@financial-ombudsman.org.uk; website http://www.financial-ombudsman.org.uk/. We will inform you if this right of referral applies to you.

If you are unhappy with any product you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.

9. Privacy

Pioneer Web Ltd is registered with the UK Data Protection Registrar and endeavours to follow all the guidelines and rules set out in the Data Protection Act 1998.

We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website, you agree to the way in which we process and deal with your personal information.

We may disclose your personal information or access your account if required to do so by law, any court, the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency.

10. Jurisdiction for use:

This site is intended for use only by those who can access it from within the UK.

11. What we use personal data for:

We collect personal data to enable us to identify you and to deliver personalised offers and promotions based upon your demographics and product purchase profile, and for the purposes of statistical analysis.

The information is used for system administration purposes and to form personalised profiles and demographics that we may use to improve the content of our communications to you. In order to collect customer use profiles, we may use cookies to store and track information about your use of TheBestLifeInsurance.co.uk. We will use this personalised information to keep you informed of areas in which you may have an interest. If you would prefer not to receive communications from us, please tell us by email to unsubscribe@thebestlifeinsurance.co.uk

12. Access to personal data

Under the Data Protection Act 1998 you have the right to make a request for a copy of the personal information we hold about you. We are entitled to charge an administration fee of £10 for answering your request. Please write to us in the first instance outlining your request at Pioneer Web Limited, 24 Brewsters Road, Nottingham, NG3 3BP.

13. Governing law

These Terms of Use and your access to and use of this Website shall be governed by and interpreted in accordance with English law.

Each of you and us submits to the exclusive jurisdiction of the courts of England and Wales in connection with these Terms of Use and your access to and use of this Website (including any claims or disputes).

14. Termination of Agreement

Should any of the terms and conditions stated be breached, Pioneer Web Ltd or TheBestLifeInsurance.co.uk has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

Pioneer Web Ltd or TheBestLifeInsurance.co.uk is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war.

Section 2 (Additional Terms)

Some products or services require additional terms and conditions to those set out above and these are detailed below:

15. Insurance products

Our insurance service allows you to search for and compare life insurance products from different life insurance providers.

You will need to answer a number of questions on this Website in order to compare or obtain a quote for any insurance product. These questions are designed to ensure that we and all relevant insurance providers have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. The level of cover and the amount you will pay will be determined by the answers you provide to these questions. It is therefore very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts. Failure to do so could invalidate the insurance product you purchase meaning you have no insurance cover. If your insurance product is invalid, claims may not be paid and you could be responsible for any third party costs if any event occurs where you would otherwise have been covered by the insurance product.

Before you apply for any insurance product, it is very important that you check all of the information held by the insurance provider about you to ensure it is true, correct, complete and accurate, that it is not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information held by the insurance provider about you before you apply for any product. Failure to correct any mistakes or errors in the information held by the insurance provider about you or a failure to disclose all relevant facts could invalidate your chosen insurance product.

The information you provide may be used to carry out certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurance providers and a record of this search will be made although this will not adversely affect your credit profile.

If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed insurance provider before you apply for the insurance product. If you do not provide all such information or if you fail to tell your proposed insurance provider about any circumstances likely to influence their assessment of the risks involved, your proposed insurance provider may be able to treat your insurance policy as invalid.

Most insurance providers make certain assumptions about you. These will be different to any assumptions made by us about you. It is your responsibility to check the assumptions made by insurance providers as they form part of your contract with your selected insurance provider. If any assumption made by an insurance provider is incorrect, you must inform the insurance provider before you apply for any insurance product. Failure to do so could invalidate the insurance product.

In providing our life insurance service, we have made certain assumptions about you and we have answered some questions on your behalf using those assumptions. If these assumptions are incorrect it is your responsibility to change the answers and provide the correct information when making an application for the product to the life insurance provider.

You agree that we may use your data to send you a renewal quote when your annual policy is due to expire to remind you of this and to highlight how we could continue saving you money. This may include performing a new quote for you based on the information you have previously provided. It is very important that you check all of the information about you is true, correct, complete and accurate, that it is not misleading and that you have disclosed all relevant facts before you apply for any insurance product. It is your responsibility to identify and correct any mistakes or errors in the information about you before you apply for any product.

It is very important before you apply for any insurance product that you carefully read the terms and conditions of the product, the insurance provider's terms and conditions and any other documentation that applies to the insurance product. You must familiarise yourself with all the details of the insurance product, for example, the restrictions, exclusions, conditions and obligations which apply to the insurance product. It is your responsibility to ensure that the insurance product matches your requirements and that you agree to the terms and conditions of the insurance product before you apply for it. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any insurance product you apply for does not meet your requirements or is not suitable for you.

Privacy Policy

We take the protection of your personal data very seriously. This section explains what information we collect from you, what we do with it, how we keep it secure and the circumstances upon which we provide it to third parties. If you have any questions, comments or requests regarding this Privacy Policy please contact our customer services Team via email at customercare@thebestlifeinsurance.co.uk.

By using this site, you are giving us permission to use the data you provide us in the ways set out in this privacy policy.

Information about you will not be collected unless you choose to give it to Pioneer Web Ltd.

If you do not want Pioneer Web Ltd or TheBestLifeInsurance.co.uk to collect/process personal or financial information, please do not submit it. If you believe any personal or financial information to be incorrect, contact Pioneer Web Ltd or TheBestLifeInsurance.co.uk and the information shall be immediately corrected or removed from the database should you request it.

Information that we collect from you:

To take advantage of our services, you might be required to provide us with certain information about yourself. This may include doing things such as registering your contact details or completing certain forms on our website. You may also be asked to provide us with information about yourself if you wish to contact us for any reason. We also collect details of your visit to our website and your use of it.

Sensitive personal data:

The nature of our business is such that we may also on occasion ask you to provide sensitive personal data as defined in the Data Protection Act 1998. By proceeding with obtaining a quote, we will take that as your explicit consent to such information being processed by ourselves and the relevant third party service providers.

Use of cookies:

We may also collect information about your computer, including where available your IP address, operating system and browser type using a cookie file which is stored in the hard drive of your computer. Cookies help us to improve our website and deliver a better and more personalised service to you. They enable us to:

Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of our website.

The information that is collected by us via cookies is completely anonymous.

How will we use your data?

We (or third parties acting on our behalf) may use your personal information in the following ways:

We will also disclose your personal information to third parties who provide the products/ services that you have enquired about via our website.

We also may need to disclose your personal information where it is necessary to comply with any applicable laws or to protect ourselves or our users (including exchanging information with other companies for the purposes of fraud protection), or in the event that we sell our business, in which case we may disclose your personal data to the prospective buyer of our business.

How do we store your personal information and keep it secure?

As required by the Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of personal information which you have provided via this website, to prevent unauthorised access. We shall take all reasonable steps to ensure your personal details remain secure. The personal information that we collect from you may also be transferred to and stored outside of the European Economic Area.

Your Rights:

If you do not agree to the privacy policy then you should not enter any of your personal information on our website. If at any time after you have provided personal information to us and you want to object to your personal data being used by us, you need to let us know by either contacting our customer services team at our address given above or by sending an email to us at unsubscribe@thebestlifeinsurance.co.uk We will endeavour to process your request as soon as possible, but in some cases it may take us up to 28 days to process your request. You may request a copy of the information we hold about you. We will be happy to provide you with such information upon request and the payment of £10 in order to cover our administrative expenses in relation to your request.

Our privacy policy applies solely to information collected by us through our website. Please note that we are not responsible for what any third party content provider or other third party offering goods and services via websites or linked to or framed around our website may do with any personal information that you may provide them. Accordingly, please ensure that you also read their data protection and privacy terms and conditions very carefully before providing them with your personal information.

Any failure on our part to enforce any right will not constitute a waiver of such rights.

These terms and conditions replace any previous terms and conditions regarding the use of our website.

These terms and conditions are subject to English law and the exclusive jurisdiction of the English courts.

If you have any questions about these terms and conditions or have a general query about the services that we provide, please get in touch. You can contact us through this link: Contact us.

Cookie Policy

Helping our customers is our ultimate aim and protecting customers’ information is our highest priority. This means that any cookies used on our sites will not contain personally identifiable information about you. However, we use cookies on our websites to facilitate your visits with more effective manner.

What are cookies?

A cookie is a small amount of data, which often includes a unique identifier that is sent to your computer, tablet or mobile phone (referred to here as a "device") browser from a website's computer and is stored on your device's hard drive. Each website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other websites. Many websites do this whenever a user visits their website in order to track online traffic flows. To find out more about cookies in general, please visit http://www.allaboutcookies.org.

Cookies cannot carry viruses, and cannot install malware on the host computer and will not harm your computer. We do, however, use encrypted information to help improve your experience of our website. Enabling cookies from our site is safe. Cookies are like yellow sticky notes. We use them to help us remember your last map location, so that you can carry on where you left off in your next visit. This saves you having to pan and zoom unnecessarily as you can return to the exact same spot.

Cookies used on our sites could be classified into three categories:

Session cookies

These are used to maintain something called session state. These cookies are created when a visitor first lands on the site and destroyed when the visitor leaves the site.Session cookies are required for the website to function but are not used in any way to identify you personally.

Permanent cookies (persistent cookies)

When you visit our website, we will assign a permanent cookie on the hard drive of your computer. You can view these by looking in the cookies directory of your browser installation. These cookies generally have a life time and are automatically destroyed on reaching their expiry time. The aim is to enhance your experience whilst on the website and make sure you don’t miss out on great offers. Cookies do not contain any personal Information for example, your name, address, email address, or telephone number, but simply a unique identification number that identifies your computer to us.

Third party cookies

Certain cookies are either set by third parties on the Website or these are set by us using the third parties cookie code. We use Google analytics to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited. More information about Google analytics and how to restrict or block their cookies can be accessed by following this link http://www.google.co.uk/intl/en/analytics/privacyoverview.html

Opting out

Although you cannot block "session" cookies as they are required for our website to function correctly you can configure your Internet browser so that it can reject both "permanent" and "third party" cookies. How you do this will depend upon the Internet browser you use. Please follow this link http://www.aboutcookies.org/Default.aspx?page=1 to get detailed instructions on disabling cookies based on your browser version.

Glossary

Life Insurance:

Life insurance or Life assurance is a contract between You, the policy owner and the insurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefits) upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment.

In return, the policy holder agrees to pay a stipulated amount (the premium) at regular intervals or in lump sums.

Mortgage Life Assurance / Mortgage Life Insurance:

Mortgage Life Assurance is used to protect your mortgage against the risk of you dying and leaving it behind for your family to continue paying.

Mortgage Life Assurance is only suitable for mortgages which are Capital and Repayment because the level of cover is designed to reduce as your mortgage reduces over the years.

The reduction ensures that there is always enough in the 'pot' to pay off the mortgage if the worst happens but there will be very little surplus remaining.

Term Life Assurance/Term Life Insurance:

Term Life Assurance is the opposite of Mortgage Life Assurance in that the amount of cover remains the same throughout the term of the policy and does not reduce. This type of Life Assurance is suitable for those people with Interest Only mortgages, those wishing to cover funeral expenses and people wanting to leave a sum of money behind to ensure their families standard of living.

Level Term Life Assurance/Level Term Life Insurance:

Level Life Assurance or Level Term Life Assurance is another term which is used to refer to Term Life Assurance. Normally the cheapest forms of life cover. The face amount remains level throughout the stated period. This policy is often purchased for short term debt or intermediate term debt

Decreasing Life Assurance / Decreasing Life Insurance:

Decreasing Life Assurance is a term used to mean the same as Mortgage Life Assurance. The 'decreasing' refers to the reduction in cover over the years.

Renewable Term:

This is a variant of the level term life insurance. It provides a level amount of insurance but the premium increases each year at the policy renewal date.

Whole of Life Assurance:

A whole life insurance policy is a policy that generally pays guaranteed sum in the event of the death of the insured to the dependents of the insured. In some cases, the earlier diagnosis of a critical illness also results in the said payment. . This insurance can be without-profits, with profits or unit-linked. Whole life insurance policies are sometimes called straight life insurance policies or permanent life policies.

Family Income Benefit:

Family Income Benefit pays out a regular annual income in the event of death or diagnosis of a specified critical illness, during a specified period for your dependants. Actual payments can be half yearly, quarterly or monthly.

Critical Illness:

This kind of life insurance pays out the sum insured only on diagnosis of the insured person having contracted one of a range of specified critical illnesses. These illnesses usually include heart disease, stroke, and cancer. This is not offered as a standard part of a life insurance policy. Our broker partners can provide can provide critical illness cover in addition to a standard life insurance policy.

Guaranteed Premiums:

Guaranteed premiums usually are fixed by the insurer and remain the same throughout the policy term. If you have chosen the indexation option, in which case the premiums will also rise linked to inflation.

Reviewable Premiums:

Reviewable premiums are usually increased by the insurer at regular intervals, usually every five years. The benefit of selecting a 'reviewable' plan is that usually the premium starts off at a much lower level than a guaranteed plan, particularly when critical illness has been selected as an option.

Testimonials

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- James Miller, Kent.

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- Christopher Diamond, London.

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- Peter Sully, Manchester.

“As i was having difficulty obtaining affordable life insurance, I contacted TheBestLifeInsurance.co.uk. They were very helpful, finding me the right life insurance policy at a very affordable monthly premium. I found this is a very good site and company to deal with and I would highly recommend them to anyone who needs life insurance”
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“Very impressed with the service....the advisors you have introduced are very helpful and knowledgeable. We switched our term life term assurance policy application to TheBestLifeInsurance.co.uk due to constant delays with the other insurer. I will certainly recommend Thebestlifeinsurance.co.uk to friends and family.”
- Ms. K. Foley, Dunbartonshire.

“We are extremely lucky to saved £40 per month....which will assist hugely in our finances. I really didn’t think I would be able to get this life insurance at a lower cost than my previous insurer, but i have!”
- Mr. Peter Bernard, Southampton.

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- Mr. David Wright and Kevin Ingram, Leeds.

“Again, thanks for your help. It’s refreshing to deal with someone like TheBestLifeInsurance.co.uk that is responsive to the needs of the client.”
- Mrs. Bill Stouch, London.