About LifeSearch
LifeSearch is an insurance intermediary specialising in protection products, including life insurance, critical illness cover and income protection. We work with a panel of insurers and provide information, guidance and, where appropriate, advice to help customers arrange suitable protection cover.
Summary
You may use the LifeSearch website to learn about our products and services, obtain quotes, purchase protection products, and contact us for information, guidance, or advice about protection products.
You must provide accurate information on all our forms and in conversations with our advisers. If you provide incomplete or inaccurate information, your insurer may change the terms of your policy, increase your premiums, reject a claim, or cancel your policy.
All information and material on the LifeSearch website is protected by copyright and must not be copied, reproduced, distributed or used for commercial purposes without our prior written consent.
If you have a complaint about our service, please refer to the details on our complaints page.
1. Using our website
1.1 These Terms and Conditions (T&Cs) apply to your use of this website.
1.2 By using this website you agree to these Terms and Conditions, but if you do not wish to be bound by these Terms and Conditions you should not use this website.
1.3 It is possible we may change our Terms and Conditions from time to time. The revised terms will affect all uses of the site after the date of the change. Your continued use of the website shall constitute acceptance of the amended Terms and Conditions. If you used the site under a previous set of Terms and Conditions, they will apply for that previous visit(s).
2. Definitions
2.1 "You" and "your" means the person who proposes to use or is using this website.
2.2 "We" "us" and "our" refer to LifeSearch Ltd., and use of www.lifesearch.com.
2.3 "Website" means http://www.lifesearch.com/ and all web pages contained at that location.
2.4 "Insurer" means an insurance company that provides products through our website or via our advisers.
2.5 "Quote" means a price provided by an insurer based on the information you have supplied, enabling you to compare insurance options. A quote does not guarantee that a product, service or price will be available, as this will depend on the insurer's underwriting process and verification of the information provided. To apply for cover, you may need to complete an application, purchase online, apply directly with the insurer, or work with one of our advisers, who may provide information only or, where appropriate, advice and a personal recommendation. We will usually communicate with you by phone and may also contact you by email, text message or post where appropriate.
3. Who regulates us?
LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Registration Number: 656479). Our permitted business is administering, advising on and arranging non-investment insurance contracts.
Registered in England: No 3089775. Registered Office: 3000a Parkway, Solent Business Park, Whiteley, Hampshire, PO15 7FZ
You can check this on the Financial Services Register by visiting the FCA website or by contacting the FCA on 0800 111 6768.
4. Use of this website
4.1 By using this website you agree that:
4.1.1 You will not do anything that affects the integrity or security of this website, or may cause harm, damage or inconvenience to other users of this website or us.
4.1.2 You will not gather, extract, download, reproduce and/or display or advertise on any other website, or offline media any material from this website, including but not limited to information relating to insurance prices, whether that information has been gained by the use of spiders, data mining, trawling or other 'screen scraping' software or system used to gather the data.
4.2 If you breach any of the clauses set out at 4.1 above, we may take such action as we deem appropriate, including denying you access to this website, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.
5. UK residents only
5.1 This website is for UK residents only. We do not make any warranty or representation that the services we offer are available or appropriate for use outside the UK.
6. Your obligations
6.1 You must only use the LifeSearch (www.lifesearch.com) website for your personal use or, if a business user, for legitimate business information gathering purposes.
6.2 You are responsible for ensuring that all information you provide to us, through our website, or directly to an insurer is complete, accurate and up to date. You should also ensure that you understand and accept the insurer's Terms and Conditions before purchasing a policy.
6.3 To obtain a quote or apply for insurance, you will be asked a number of questions about your circumstances. These questions help us and the insurer assess your eligibility for cover and provide accurate information about the products available to you.
6.4 You must answer all questions honestly, accurately and to the best of your knowledge and belief. If you provide incomplete or inaccurate information:
6.4.1 your insurer may change the terms of your policy, increase your premium, reject a claim or cancel your policy; and/or
6.4.2 cover may not be available on the terms originally quoted.
7. Our service
7.1 We provide information and services relating to protection products and can help you obtain quotations from a range of insurers. Depending on how you choose to engage with us, we may provide information only, or we may provide advice and a personal recommendation based on your needs and circumstances. There is no fee for our service; however, we may receive commission from the insurer if you take out a policy through us.
7.2 We are committed to communicating in a way that is clear, fair and not misleading. Please let us know if you require additional support.
8. Validity of quote
8.1 We do not control the price, length of offers, or special conditions relating to price comparison quotes. These are set by the insurers. If you obtain a quote and would like to see how long it is valid for or any special conditions relating to it, please click through the links contained on our website to the product provider or service provider's website, or call us on 0800 316 3166. Product and service providers' prices, rates and offer times are updated and amended on a regular basis so our price comparisons are subject to change.
8.2 Depending on the product selected, you may be able to purchase online, apply directly with the insurer, or arrange cover through LifeSearch. Some applications may need to be completed over the telephone with one of our advisers.
8.3 Where you obtain a quotation through our online services without speaking to one of our advisers, you will not receive a personal recommendation from us. If you choose to speak with one of our advisers, we may provide advice and a personal recommendation based on your individual needs and circumstances. The validity period of any quotation will depend on the insurer and product selected and will be explained during the quotation and application process.
9. Delivery of quotes
9.1 We aim to make the results of our quotation and application services available online. However, we rely on the availability of third-party websites and internet services. At times, some or all online quotes may be unavailable due to issues affecting those third parties or other systems outside our reasonable control.
9.2 Whilst we strive to provide as comprehensive and easy to use a service as possible, the requirements for your quote may not be met if such requirements are unusual, "non-standard" or "high risk". If this is the case you should contact LifeSearch directly to discuss your requirements.
9.3 Each insurer will have a different approach to the provision of their quotes and may not make quotes available for all of their products. Where you have expressed an interest in a product restricted by an insurer, we or the provider may contact you to assist further (we or the insurer will continue to treat your data as confidential and comply with data protection legislation).
10. Responsibility for content
10.1 We take reasonable care to ensure that information displayed on our website is accurate and up to date. However, all quotations are provided by insurers and remain subject to their terms, underwriting requirements and verification of the information supplied. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation.
10.2 We will use our best endeavours to provide you with a quality service and virus free website. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this website, which are beyond our reasonable control. We recommend that you use your own appropriate virus checking software.
10.3 We are not responsible for any commentary, opinions, ratings or other postings on this website by third parties.
10.4 Product or service providers and third party websites are responsible for failings or errors on their websites and may have a separate duty of care to you.
10.5 You may be entitled to rights separate to these Terms and Conditions under English consumer law or other legislation.
11. Third party websites
11.1 This website contains links to websites operated by third parties. Some of those websites will carry our branding and are therefore only accessible by our customers. The operation and content of those websites are determined by those third parties and will be governed by separate Terms and Conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.
11.2 Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links.
11.3 You may wish to take the following steps when purchasing a product or service from a third party website:
11.3.1 Read and ensure that you understand the Terms and Conditions of their website and Terms and Conditions of any product or service you might be agreeing with them;
11.3.2 Clarify and/or check your understanding of relevant Terms and Conditions by seeking independent advice, for example if the proposed transaction is of significant financial value to you or your insurance criteria is particularly unique or high risk; and/or
11.3.3 We regularly check that all our partners are regulated, however, if you wish to check the insurance provider you are dealing with is regulated (for example, by the Financial Conduct Authority, or Prudential Regulation Authority, if applicable). You can do this by checking the Financial Services Register on the Financial Conduct Authority's website.
12. Termination
12.1 We may issue a warning, temporarily suspend, permanently suspend or terminate your right to use this website if you:
12.1.1 Substantially breach any of these Terms and Conditions;
12.1.2 Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website; or
12.1.3 If you are using this website to commit or attempt to commit a criminal offence.
13. Jurisdiction and Enforceability
13.1 If any provision of these Terms and Conditions is held by a competent authority to be invalid or unenforceable, the remaining provisions of these Terms and Conditions will not be affected and will remain valid.
13.2 In the event of a dispute in connection with or arising out of these Terms and Conditions, English law will apply.
13.3 These Terms and Conditions will only apply as between us and you. Unless as otherwise stated in these Terms and Conditions no other person may benefit or rely upon these Terms and Conditions.
14. Intellectual Property
14.1 All information, data and copyright material contained on this website, including any trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless you have written permission from us or the owner to do so.
14.2 You may download or copy the content and other downloadable items displayed on this website for personal non-business use only, (i.e. to assist with a purchasing decision), provided that you are not otherwise breaching these Terms and Conditions.
15. Privacy Policy
15.1 We will process any personal data collected from you in accordance with applicable data protection legislation. Further information about how we use, share, retain and safeguard your personal data is set out in our Privacy and Cookie Policy.
16. Trusts
16.1 Before using a LifeSearch trust form or an insurer's trust form, you should seek independent legal and tax advice from a solicitor, accountant or other appropriately qualified professional. Trusts are not suitable for all types of policy or for certain circumstances.
16.2 It is important that you understand the roles of individuals concerned within a trust and ask any questions about their responsibilities where you are unsure before proceeding.
16.3 LifeSearch cannot accept responsibility for the inappropriate use of a trust as its suitability depends upon your individual circumstances. LifeSearch may provide general information about trusts but does not provide legal or tax advice. If you are unsure whether a trust is suitable for your circumstances, you should seek independent legal and/or tax advice.
16.4 You are responsible for ensuring that any trust form is completed accurately before you send this to your insurer to be applied to your policy.
16.5 We cannot accept responsibility for any loss, however caused, and suffered by any person who has acted or refrained from acting as a result of any trust used or any accompanying material published in or in conjunction with any trust.
16.6 Once applied to your policy, trusts cannot normally be revoked. It is also difficult to amend a trust once it has been applied, and where this is possible it may incur additional costs, administrative work or require legal advice.
16.7 This online trust is intended for use where there is one policyholder. It is not generally suitable for joint policyholders. We recommend that you seek legal advice if you plan to place a jointly owned policy into trust.
Last updated on 8th October 2026.