Life Insurance News - January 2011

Become a Lifebroker Affiliate

Lifebroker welcomes other professionals to become a life insurance affiliate whether you are an Accountant, a seller of telephone leads or another life insurance website.

All you have to do is contact James Markwick, Managing Director of Lifebroker in the UK and have a chat about what your plans are. James said "I am finding more and more that other professionals are contacting us to try and work out a solution of how we can work together. These professionals range from Accountants to sellers of telephone leads. Accountants have traditionally referred their clients to Financial Advisers (IFA's), however we are finding that Accountants feel that they get better service and value for money by using the Lifebroker site. Traditional buyers of telephone leads have dropped in numbers due to some of the buyers going out of business or finding alternative arrangements; the knock on effect is that the lead providers need to find an alternative. Lifebroker can be the solution."

Lifebroker only provides life insurance quotes - therfore you can be assured that we will not sell other products to your  consumers

Services offered range from:

• instant quotes
• tailored web pages that can be adapted to promote your website and company
• dedicated telephone line for your brand
• call recording
• choose your preferred life insurance providers
• set your own commission rates
• opportunity for applications to be made over the phone
• access to Fastrack applications (developed in house by Lifebroker allowing your clients to apply electronically)
• individual commercial terms (per click, commission split or hybrid)
• star rating guide
• professional life insurance service
• guarantee that Lifebroker will not sell other products to your client as we only provide life insurance

All you have to do is contact James Markwick on 08452 51 61 71 to discuss your requirements or email info@lifebroker.co.uk.

Posted under : Mortgage Protection, Insurance Affiliation, Level Term Life Insurance, Life Insurance Broker, Personal Insurance, Life Insurance Quote, Life Insurance Comparison, Insurance Products

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Ageas Protect Low Start Life Insurance

Lifebroker announced a few weeks ago that it would be offering the new Ageas Protect Low Start life insurance product and we are pleased to announce that we added it to our website today. Please click here to see a full list of the life insurance companies that Lifebroker deals with.
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The new product from Ageas Protect (formerly Fortis Life) is designed to offer consumers a low cost alternative. The pricing of the product is certainly different to competitors in that it begins very low in terms of the initial premium and increases every policy anniversary. This is very unorthodox compared to traditional guaranteed products that are on the market as the price is fixed from outset, However it is very important to note that when getting a life insurance quote for the Low Start product that Ageas Protect will clearly outline the premiums for the first 10 years when downloading the Personal Illustration from the Lifebroker website. Furthermore Ageas Protect will also inform you in writing what you will pay for the whole term so that you can easily compare it to life insurance products.

Ageas Protect have carefully designed this product with the following consumer in mind:

• Consumers with a set budget that want a high level of cover
• Consumers that may want to pay less for life insurance now, who think that their incomes will increase in the future
• Consumers that require a high level of cover now than they will in a few years' time
• Consumers that are no longer cover by their employer's Death In Service policy
• Consumers that require more than just life cover (Low Start also offers the option of Critical Illness Cover)

Elyse Crichton, Senior Consultant at Lifebroker said "According to information sent out by Ageas Protect the new Low Start life insurance policy can be really competitive for consumers looking for great value premiums. Some of the data received states that the level of initial discount varies depending on the age of the client at the outset and also the length of the term - however Low Start premiums can be as much as 30% lower in the first year than standard level premiums. It can take some time before the Low Start option increased to the level premiums."

If you are interested in the Ageas Protect Low Start product please call Lifebroker on 08452 51 61 71.

Posted under : Level Term Life Insurance, Life Insurance Broker, Personal Insurance, Life Insurance Quote, Life Insurance Comparison, Insurance Products, Ageas Protect

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Water – How Much is Too Much?

We all know that drinking water is an essential part of a healthy lifestyle. Drinking water keeps us hydrated and enhances concentration. It also maintains your body and prevents disease. We can survive for weeks without food, but only a few days without water.

Approximately two thirds of the human body is water therefore it is essential that we drink water throughout the day. We should try and drink 6 to 8 glasses of water per day (approx 2 litres). We should also absorb extra water from a healthy diet containing fruit and vegetables.

Tips to prevent dehydration:

• Drink water as soon as you get up
• Have a water on the table during meal times
• Carry a bottle of water when you are out and about
• Avoid soft drinks to quench as there is nothing like the real thing to keep you healthy
• Eat plenty of fruit and vegetables
• When drinking alcohol try to drink water now and then
• Drink water when exercising

Posted under : Healthy Living, Life Insurance Research

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PruProtect are launching a basic life insurance product

As suggested by Lifebroker on the 29th July 2010 in the News Section 'Are PruProtect Missing Something?' PruProtect are introducing a new life insurance product to the UK market. The product is more basic that the current PruProtect Essentials Plan in that is has had some of the additional benefits removed to reduce cost to the consumer.

James Markwick, Managing Director at Lifebroker UK said "It is good to hear that PruProtect have come to the same conclusion as Lifebroker mid last year.
Lifebroker does not know much about the product as yet and look forward to finding out the facts in the coming weeks. As suggested previously it would seem logical that PruProtect remove the Vitality Points Progamme as this would reduce the basic premium. At present PruProtect tend to appear in position 3-4 with most quotations however Lifebroker predict that making this change will push them into position 1-2 so that they can challenge the dominance of Legal & General and Aviva who get the largest share of the UK life insurance market."

As soon as Lifebroker have more details we will add it to our Twitter page. Please make sure you follow Lifebroker UK on Twitter.

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Posted under : Legal & General, PruProtect, Level Term Life Insurance, Life Insurance Quote, Insurance Products, Aviva

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