Life Insurance News in Category "Mortgage Protection"

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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Make Life Insurance Your New Year’s Resolution for 2011

If you do not have life insurance in place, or already have a life insurance policy why not start 2011 by comparing life insurance with Lifebroker?

Most people spend December shopping for Christmas presents, getting ready for the big day. December is also traditionally a quiet time for the life insurance industry and a good time to apply for life insurance so that by the time January comes your new life insurance policy is in place.

James Markwick, Managing Director at Lifebroker said “As December is quiet, why not shop around during the lull so that you can get the policy you want. By the time Christmas has come and gone you can then start the policy. It seems sensible to me that as a New Year’s resolution that you could get your life insurance policy in place or review your cover to see if you can save money. With the expense of Christmas out of the way it is only logical that consumers want to cut back so that they can get their finances back on track”.

You can use the Lifebroker website to search for life insurance for free. Lifebroker deals with all the main UK household brands such as Legal & General, AXA, Aviva & PruProtect. Once you have decided you can then buy online with now hassle. What’s more Lifebroker’s service is fast and efficient which means that it will not hold up your festive preparations.

Lifebroker specialises in Life Insurance, Over 50’s Life Insurance, Mortgage Protection Life Insurance, Critical Illness Cover & Income Protection. Click here if you want a quote or call Lifebroker on 08452 51 61 71 if you want a life insurance quote over the phone.
HAVE A MERRY CHRISTMAS FROM LIFEBROKER!

Posted under : Income Protection, Critical Illness Cover, Legal & General, Mortgage Protection, PruProtect, Personal Insurance, Over 50's Life Insurance, Life Insurance Quote, Life Insurance Comparison, Insurance Products, AXA, Aviva

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Life Insurance Product Ratings

Lifebroker provides 5 star ratings for life insurance products to compliment live pricing and online applications. The ratings system encompass level term life insurance, mortgage protection, and also income protection. When using Lifebroker's website for life insurance quotes the premium and also that rating will be displayed side by side.

James Markwick, Managing Director at Lifebroker said "This is something that Lifebroker has wanted for some time. Lifebroker in Australia has used a similar system for many years now and it was only a matter of time that this became available here in the UK. Lifebroker has a close working relationship with Webline part of Capita Financial Software and it is thanks to Webline's innovation and close relationship with Synaptic (also part of Capita Financial Software) that this has become available. The Synaptic is updated every 24 hours. So far I am impressed with what it can offer consumers in assiting them with their purchaing decisions."

When using the rating system consumers need to use it as a guide only as Lifebroker does not offer financial advice

The guide is aimed at helping consumers choose life insurance by something more than the premium. Most comparison websites only display premiums; Lifebroker can now offer more to consumers.

Bettina Richen, Lifebroker's Sales & Marketing Manager said "The new rating guide really compliments Lifebroker as we are always looking to be innovative. We already have live quotes and online applications. In my opinion Lifebroker are the most forward thinking online life insurance broker in the UK."

Lifebroker is looking forward to seeing how the 5 star rating is used by consumers to assist them in choosing their life insurance.

 

Posted under : Income Protection, Critical Illness Cover, Mortgage Protection, Level Term Life Insurance, Life Insurance Research, Life Insurance Broker, Personal Insurance, Life Insurance Quote, Life Insurance Comparison, Insurance Products

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Lifebroker joins local Shop Smart

Lifebroker joins local Shop Smart

Lifebroker recently joined Shop Smart, a local initiative created by Chris Windridge in late 2009 to promote and increase trade for businesses in the local area. Bettina Richen, Sales & Marketing Manager at Lifebroker said "although Lifebroker is an international online business that operates in the UK and also in Australia and New Zealand, it is paramount that we support local companies and are in touch with our community.'

Lifebroker has a charitable link with the Terence Higgins Trust whereby they provide life insurance to people living with HIV. Lifebroker will be donating £10 to St. Catherine's Hospice in Catherham for every policy that is purchased via the website from a Shop Smart buyer. Lifebroker hopes it is a success.

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

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Lifebroker welcomes Fortis Life

Lifebroker clients can now compare the cost of life insurance from Fortis Life to that of the other main stream life insurance providers in the UK.

Many people in the UK may not be aware of Fortis Life. They claim to provide customers with high quality insurance products and have many awards to support this including; British Insurance 'Claims Initiative of the Year' award 2008, Insurance Times 'Motor Insurer of the Year' 2008. Fortis was the first ever general insurer to be awarded the Incisive Media 'Gold Standard Award' and in 2007, Fortis won the British Insurance 'General Insurer of the Year' award.

Lifebroker looks forward to working with Fortis Life.

Looking to compare life insurance quotes with Fortis?

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Posted under : Fortis Life, Income Protection Quote, Mortgage Protection, Level Term Life Insurance, Life Insurance Broker, Personal Insurance, Life Insurance Quote, Life Insurance Comparison, Insurance Products, Ageas Protect

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Reasons to Insure Your Life

Life Insurance is set up to financially provide for your loved ones in the event of death. But what are the drivers that instigate the search for life insurance?

Lifebroker finds that there are three main reasons for taking out cover;

• Taking out a mortgage or other type of loan
• Having a baby
• Someone close has just suffered from a serious illness or died

Adam Harper, Director at Lifebroker said "time and time again the reasons for establishing cover are the same, we just help people satisfy that need in the easiest way. The end result is the same - people are taking financial responsibility for their loved ones."

Lifebroker offers a full range of life cover that can suit most people's needs but points out that it is usually more obvious to protect the main earner as their lost income would have a huge financial impact, however a mistake that is often made is not insuring the partner that stays at home to look after the children. Although this person may not earn an income directly, they still add considerably to the family. If the non employed partner were to pass away the surviving partner has to adapt to ensure that children are taken care of. This process can prove to be very costly.

Lifebroker has listed the main reasons that their clients seek to get life cover:

1. Taking out a Mortgage or increasing an existing one
2. Becoming a parent
3. Someone close has suffered a serious illness or died
4. Income level change
5. Marriage
6. Providing financial security for loved ones
7. Existing policy expired
8. Inheritance Tax Liability

Contact Lifebroker if you need help with getting the best quote.

Looking to compare life insurance quotes?

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Posted under : Zurich, UNUM, Friends Provident, Key Man Insurance, Fortis Life, LV=, Liverpool Victoria, Legal & General, Mortgage Protection, Inheritance Tax Planning & Trusts, PruProtect, Level Term Life Insurance, Life Insurance Broker, Personal Insurance, Life Insurance Quote, Life Insurance Comparison, Insurance Products, Canada Life, Bupa, Bright Grey, Aviva, Ageas Protect, Aegon

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Life Insurance Comparison Websites

Comparison websites are everywhere - even the major supermarkets in the UK are launching their own comparison sites with ASDA being the latest. Lifebroker actually specializes in life insurance products (life, critical illness and income protection) and feels that it is better to specialize with the end result to be the best and not just 'one of the others.' James Markwick, Managing Director of Lifebroker said "when we launched Lifebroker in the UK it was clear that we had to specialize. There are too many comparison sites that sell pretty much anything from utilities to credit cards. I think that it is too confusing."

Lifebroker is pleased to only offer life, critical illness cover and income protection and feel that this is easier. Mr Markwick adds "as Lifebroker does not offer financial advice and it is really important that we promote clear and concise information throughout our website. We are not one of those sites that bombard visitors with other products or unwanted advertising."

At present the Lifebroker site uses a rebate structure to make their premiums lower and they are looking to enhance their customer experience by adding research to the site that will allow clients to choose their insurance based not only on cost but also on the fundamental features of the product. Mr Markwick says "this is something that I have seen in overseas markets. Clients will consider buying a slightly higher priced product due to the fact that it may be superior in quality. This will help them see more value."

Comparison sites in the UK are based mainly on price and Lifebroker want to change this.

Posted under : Zurich, UNUM, Friends Provident, Fortis Life, LV=, Liverpool Victoria, Critical Illness Cover, Legal & General, Mortgage Protection, PruProtect, Level Term Life Insurance, Life Insurance Broker, Personal Insurance, Life Insurance Quote, Life Insurance Comparison, Insurance Products, Canada Life, Bupa, Bright Grey, Aviva, Ageas Protect, Aegon

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Stop Smoking and Save

National Non Smoking day is in its 27th year and is making progress

It is three years ago that the UK Government banned smoking in the workplace. The current smoking rate is 20%, however in the last 10 years it has steadily reduced. According to the Office of National Statistics the smoking rate in 2000 was 26%, by 2007 it had dropped to 22% and the latest figures for 2008/2009 show that it is sitting at 22%.

The Government wants to reduce the smoking rate to 10% by 2020 - they have some work to do. They have an new initiative that will concentrate on young people and preventing them from starting in the first place.

On top of the obvious health improvement of giving up there is also huge savings to be made. According to Lifebroker a 35 year old male who smokes will pay £29.23 per month for £250,000 level life cover over the next 25 years. For a non smoker the same policy would cost £15.56 per month, almost half the price.

Bettina Richen, Sales & Marketing Manager at Lifebroker said "not only are there the obvious health benefits that can be made from stopping smoking, but also there is a financial one that is two fold; saving you money from not buying cigarettes and also your insurance premiums dramatically reducing". Ms Richen states that you must be careful when looking at the definition of a non smoker as it means that you must not have had a cigarette in the last 12 months or used any other form of nicotine product. Ms Richen said "Make sure that you read the small print as some insurers include nicotine patches or even gum as part of the smoking status question. You must have not used nicotine products for 12 months. Be aware that some providers also have random checks to ensure that you are still a non smoker or you have not lied on your application."

Once you have not smoked for 12 months please contact Lifebroker as we will ensure that you get the best non smoker life insurance policy.

Posted under : Aegon, Ageas Protect, Aviva, Bright Grey, Bupa, Canada Life, Insurance Products, Life Insurance Comparison, Life Insurance Quote, Personal Insurance, Life Insurance Broker, Life Insurance Research, Level Term Life Insurance, PruProtect, Mortgage Protection, Legal & General, Critical Illness Cover, Liverpool Victoria, LV=, Fortis Life, Friends Provident, UNUM, Zurich

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