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Complete the short quote form below
We will provide advice and make a recommendation for you after we have assessed your needs and circumstances. We arrange the policy with the insurer on your behalf. You do not pay us a fee for doing this. (We receive a commission from the insurer.)
We have access to a range of the UK’s largest Business Insurers, including; AIG, Aviva, Legal & General, LV=, Royal London, Vitality, Zurich, etc. Our job is to find the most suitable product, for you and your business, at the best price.
Your application is quick to complete, and will only be sent, securely, to one of our FCA approved Business Protection Specialists. You won’t get bombarded with calls and emails.
Your data is secure with XTS-AES-256-bit Encryption on our systems and no data is passed to any third parties.
This is where our advice comes in, but it is worth thinking about - What you would need if you or another key person was off long term recovering from a critical illness.
This is up to you, most insurers start at 5 years and go to at least retirement age, 68 in the UK. If it’s for you and you aim to sell up in 10 years, or have a 10-year business loan or business plan then 10 years is sufficient. Your other key person may have been there for years and probably will never leave. If you take a policy out and the person leaves or you no longer need this cover, you can cancel the policy at any time, without penalty. There is no cash in value either, so it just ends.
Straight away usually! We may need to check any medical disclosures you have made, by calling the medical underwriters to see if they are likely to increase prices, so we can give you accurate quotes.
This can be done on the same day. There is a specific online medical form for each of the insurers. We would go through the most suitable one, once you are happy with one of the quotes. We go over the relevant form on the phone and usually, it takes 10 minutes if you have no major medical issues. (Can be a bit longer if you have a medical condition as the insurer will ask a few relevant questions so they can give you a fair monthly cost for the cover.) The insurers may need to write to your doctor for information on certain conditions or depending on the level of your cover and your age, you may need a nurse medical – which can be done in 15 minutes, at a time convenient to you, at your home or business address.
An example, based on a 30-year-old, healthy, non-smoker* for £100,000 Keyman Life and illness cover for 10 years is £17.89 a month, or 59p per day. Keyman life insurance would be 17p per day.