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Low Cost Life Insurance is a specialist protection brokerage and we are based in Wetherby in the North of England although we do all our business via the internet. We specialise in life insurance offering discounted prices from the leading life insurance providers in the UK. As with all the best businesses we are a family run business. This helps us create a very focused ethos within the business. We operate Monday to Friday from the hours of 9.00am until 8.00pm. We are closed on a weekend however the state of the art quotation and online application facility is online 24 hours a day 365 days a year so you are always in a position to gain a quotation.
We have an instant online quotation facility, this allows our clients to log on to the website and get an instant online quote. In addition to this there is the option to complete an application for life insurance online after choosing the specific plan to suit your needs. We also offer a service where we can call you back at your convenience and offer a fully advised sale. This consists of one of our fully qualified protection specialists guiding you through the options available to you and ensuring you get the best contract to suit your needs. The third option available to you is where we can post out all the relevant key features and application documents and you can complete these in the comfort of your own home giving you the opportunity to read and ask any questions from the outset.
Life insurance is designed to pay out a specific lump sum if you were to die or suffer a terminal illness. This can be connected to a mortgage or it can be family related to provide an income if anything were to happen to you.
In addition to life insurance we also specialise in critical illness insurance. Critical illness insurance is often combined with life insurance as one single plan. With a joint life insurance and critical illness insurance plan the policy would pay out if the client were to suffer from a critical illness or die. This type of plan gives total peace of mind and often life and critical illness insurance is not much more expensive than critical illness on its own.
We also do income protection insurance, this is as it says a form of protection to protection your income in the event of an accident or sickness. This can be either done on a short term basis or long term basis. The other protection product we specialise in is mortgage payment protection insurance. This is also sometimes known as accident sickness insurance and offers clients the opportunity to protect their mortgage or loan payment in the event of an accident or sickness.
We have many years of experience in the protection industry and can help you to find the best protection product at the best possible price. In addition to this we pride ourselves on our service to customers and looking after our clients. We have many recommendations from our clients and many clients come back to us when their financial situation changes. We tend to do a lot of repeat business and have many clients where we have covered the client’s entire protection needs.
We are also as many organisations are currently concerned about the environment. We have a number of different policies in place to ensure we do our bit for the environment. We try and keep our paperwork to a minimum and being online and internet based this allows us to do this. We use electronic submissions of applications to the internet providers we deal with and where ever we can we communicate via email.
Obviously being an online brokerage all of our business in done on the telephone or online thus cutting down the travelling and transportation of when the brokers used to visit you at your home address. We also within the office use energy efficient pc’s and other equipment and this is turned off when not in use.
