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Get specialist insurance quotes

We search insurers big and small for the right cover even if you have specialist needs

We search insurers big and small for the right cover even if you have specialist needs

Frequently asked terms to consider

Standard terms means a policy is offered with no price increase.

Special terms means there is a price increase to reflect additional risk(s).

Any life insurance applicant is assessed for the risk (of sickness or death) they pose to the insurer. A heathy young person with no health conditions who works an office job poses, in the insurer’s mind, very little risk. Someone with a chronic health condition or who works a dangerous job poses a greater risk.

A premium rating (AKA loading/ loaded premium) is when your life insurance premium increases in cost to reflect the level of cover you need to sufficiently protect your health situation and/ or circumstances.

Exclusions are when a policy specifically lists a hobby, occupation or medical condition, that it does not cover. For example, a customer who likes to skydive might have injuries or death relating to skydiving excluded from their cover. This could mean that if they die or suffer a life-limiting injury in a skydiving accident the policy won’t pay. A standard exclusion on most policies also includes suicide within the first 12 months.

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Life insurance, mortgage protection, critical illness cover and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.
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You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.
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The amount you need depends on a number of factors such as your mortgage balance, any debts and a lump sum you may want to leave after these are factored in. Don’t worry – if you’re not sure we can advise you.
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Think about how long you may need to cover life's biggest costs - it may be until a mortgage is fully repaid, until a child becomes financially independent, or until retirement.
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Most insurers will need to know this for a policy, and they may include e-cigarettes and nicotine replacements.

We strictly adhere to the General Data Protection Regulation and will only use your personal information for the purposes of helping with your query. As an advice-based broker, by submitting your details with your phone number and email, we may attempt to call, text or email you in order to service your query for Life Insurance, Income Protection Insurance, Critical Illness Insurance and other products. For more information, please read our Privacy Notice & Cookies.

Frequently asked terms to consider

Standard terms means a policy is offered with no price increase.

Special terms means there is a price increase to reflect additional risk(s).

Any life insurance applicant is assessed for the risk (of sickness or death) they pose to the insurer. A heathy young person with no health conditions who works an office job poses, in the insurer’s mind, very little risk. Someone with a chronic health condition or who works a dangerous job poses a greater risk.

A premium rating (AKA loading/ loaded premium) is when your life insurance premium increases in cost to reflect the level of cover you need to sufficiently protect your health situation and/ or circumstances.

Exclusions are when a policy specifically lists a hobby, occupation or medical condition, that it does not cover. For example, a customer who likes to skydive might have injuries or death relating to skydiving excluded from their cover. This could mean that if they die or suffer a life-limiting injury in a skydiving accident the policy won’t pay. A standard exclusion on most policies also includes suicide within the first 12 months.

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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.