Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

Life Insurance the easy way

Whether you’re looking to provide a financial safety net for your loved ones, moving house or a first time buyer looking to arrange your mortgage life insurance – or simply wanting to add some cover to what you’ve already got – you’ll want to make sure you choose the right type of cover and get a great deal too.

Life Insurance from Aviva is a quick and easy way to arrange cover that pays out a lump sum to your loved ones. You should note that there is no cash in value at any time. If you stop paying the premiums or survive to the end of the plan term the cover will end and no money will be returned to you.

What type of cover is right for me?

Cover to help protect your family

This is called Level Life Insurance and is a straightforward way to help provide financial security for your loved ones, or to help cover an interest only mortgage.

Find out more about Level Life Insurance

Cover to help protect your mortgage

This is called Decreasing Life Insurance and is a straightforward way to provide cover for a repayment mortgage or loan that decreases over time.

Find out more about Decreasing Life Insurance

Confused by life insurance?

Compare our life insurance options to make sure you get the life insurance that’s right for you.

Follow this link to compare our life insurance options

Lifestyle Maintenance Calculator

Try our calculator to help you decide how much life insurance you might need.

Follow this link to try our life cover calculator

Things to think about

  • With Aviva, you get Terminal Illness Benefit included. This pays out the sum insured if you’re diagnosed with a terminal illness and not expected to live more than 12 months, assuming your plan has at least 18 months to run.
  • Terminal Illness Benefit is not the same as critical illness cover. Critical illness cover is not available with Aviva Life Insurance.

You can choose to take out an alternative plan offered by Aviva, which combines life cover with critical illness cover.

Benefits for you

  • It’s simple – get a quote under 2 minutes
  • Monthly premiums are guaranteed never to rise
  • Easy to arrange – no complicated forms to fill in
  • Premiums start from £5 a month – what you pay will depend on the amount of cover required and your personal circumstances
  • Joint cover available for you and your partner
  • We’ll send you £15 of M&S vouchers after you make your 3rd monthly payment when you buy direct from Aviva
Read More


Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

YourLife Plan

YourLife Plan offers you Term Assurance, Critical Illness Cover, Family Income Benefit and Income Protection. You can buy just one cover if that’s all you need, or use them to create a complete package. Either way, there’s just one application process.

We’ve taken a fresh look at these types of cover too. We’ve asked customers what it is that they really need from them and tried to make sure our covers meet those needs

One of the things we’ve realised is that many people would benefit from Income Protection on top of their Critical Illness Cover but feel that taking out both covers is too expensive. So we’ve introduced Temporary Disability as an option in our Critical Illness Cover. This gives you short-term income protection if you can’t work because of an illness or injury, even if your condition isn’t on the list of critical illnesses that we cover. It’s not as comprehensive as an Income Protection policy, but it’s not as expensive either.

Low Start

Low Start offers the same great cover as YourLife Plan Term Assurance and Critical Illness with Term Assurance covers at a lower initial cost – allowing you to secure a level of protection that may have previously seemed unaffordable. Premiums then go up gradually each year at a rate that’s guaranteed at outset. Although the cost over the whole term will be higher than for a ‘traditional’ plan, the premium for each year of the term is fixed and you can opt out of the increase or switch to level premiums at any time by reducing the sum assured.

In the past, other insurers have introduced ways to make premiums more affordable at the start of a contract – but this usually meant that the cover was annually renewable and that you didn’t know how much the premiums would be in future years.

Low Start is different. We guarantee from day one how much the premiums will be for the entire period of the cover.

In the current economic climate Low Start could help you afford the level of protection that’s right for you – whatever your budget.

Real Life Cover

Most of us take out life insurance because we don’t want our family to struggle financially if we die. But while we’re under 65, we’re much more likely to be off work for six months or more through illness or injury than we are to die. Life insurance won’t pay anything then. Income Protection and Critical Illness Cover would help. But for many of us, the leap in price from life insurance to this kind of cover is just too great.

Real Life Cover is different. It combines life insurance, income protection and limited critical illness cover in one plan. But it only covers you for the things that are most likely to stop you earning a living or caring for your family, so you pay less than you would if you bought life insurance with traditional income protection and critical illness cover

Read More

Beatthatquote Life Insurance

Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

Life Insurance

Life assurance pays out a set amount of money upon the death of the insured.

Whole Life Insurance

Whole life insurance or whole of life assurance is a life insurance policy that remains for the insurer’s whole life and in most cases requires premiums to be paid for the life of the policy.

Level Term Insurance

Level Term assurance also known as Level term life insurance is where the sum assured is guaranteed to be the same over a given period of years, the term. It is a specific life assurance policy that only pays out if the insured dies within the relevant term.

Mortgage Payment Protection Insurance

Mortgage payment protection insurance also known as Mortgage Protection Insurance pays mortgage repayments in the event of accident, sickness or unemployment.

Critical Illness Assurance

Critical illness insurance or critical illness cover is an insurance product. It is where an insurer is contracted to typically make a cash payment if the policy holder is diagnosed with one of the critical illness listed in the policy.

Permanent Health Insurance

Sometimes known as PHI pays a proportion of your salary if you are unable to work through sickness or accident. Unlike ASU insurance, it continues paying until your normal retirement date (or return to work, if sooner).

How to find the Life Insurance for You

To find the right Life Insurance for you ensure that you shop around. Each Life Insurance Company has different monthly premiums which will vary depending on your circumstances. You should always compare other insurers rather than just accept the initial Life Insurance quote you receive, especially if it is in conjunction with a loan or mortgage and the quotation is being provided by the lender.

The content of the site is for information purposes only and does not constitute advice. While we take every care to ensure the information provided is correct and up to date, please always check with the providers before committing yourselves. The website and articles featured here provide links to third party websites. Please note BeatThatQuote.com take no responsibility for the content of these third party websites. This information is for use by UK individuals only. Our service is free to you but to operate this service we may receive commissions from the provider or broker we refer you to.

BeatThatQuote.com Limited is an appointed representative firm of Best Value Financial Services Ltd which is authorised and regulated by the Financial Services Authority. Our FSA registered number is FRN 449766. Credit Cards, Debt Help, Loans, Utilities and Legal Services are not regulated by the Financial Services Authority. BeatThatQuote.com Limited is a company registered in England with Registration Number 5346120 and with Registered Office at 5 New Street Square, London, EC4A 3TW.

Read More

sunlifedirect Over-50-Plan

Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

Over 50 Life Insurance

The Guaranteed Over 50 Plan provided by

AXA Wealth Ltd trading as Sun Life Direct now offers more cover for everyone.

All new customers taking out a new over 50 life insurance Plan will receive a bigger cash sum for the same premium than if the Plan had been taken out before 1st July 2011. In fact, for an estimated 8 out of 10 new customers, the cash sum paid out will be at least 15% bigger*. And now we’re offering premiums from just £4 a month!


Why choose the Guaranteed Over 50 Plan for your life insurance?

A guaranteed fixed cash sum and no medical or health questions
  • The Guaranteed Over 50 Plan provides a fixed cash sum to leave as a gift for loved ones or to help towards funeral costs.
  • Provided you’re aged 50 – 85 and a UK resident, we guarantee to accept you.
  • We’ll pay out the fixed cash sum on your death as long as you’ve been paying into the Plan for at least two years.
  • If you die in the first 2 years, we’d pay back all the premiums paid, plus half as much again.
  • Because the cash sum is fixed, inflation will reduce its value over time.
Premiums from £4 a month & More Cover for Your Money
  • Premiums are now from as little as £4 a month – that’s the lowest premium available on the market for plans of this type.
  • Increased cash sums – everyone will get more money. In fact, for an estimated 8 out of 10 new customers, the cash sum paid out will be at least 15% bigger than if they had taken a Plan before 1st July 2011*.
See an example of how the Plan compares in the market Compare Life Insurance
Most popular Plan of its type
  • The Guaranteed Over 50 Plan is the most popular Plan of its type^, with over 760,000** customers. So you’re in safe hands. You can find out more about why our customers choose us here.
Affordable premiums that never change
  • You can choose any premium from £4 to £74 a month, as long as the cash sum doesn’t exceed £20,000.
  • The premium you choose will never go up and your cover will never go down – no matter what happens to your health.
  • You simply need to keep paying in every month throughout your life, as if you stop paying, your cover will end and you won’t get anything back.
  • Depending on how long you live, the cash sum paid out could be less than the total amount paid in premiums.
  • The first month’s premium is free.
  • You can choose a gift to welcome you into the Plan.
  • If you were to die in a travel accident, or within three months of an accident as a result of your injuries, we’d pay out three times your fixed cash sum.

What our customers say


*All customers taking out a new Plan will receive a bigger cash sum for the same premium than if the plan had been taken out before 1st July 2011.Based on the customers who took out Plans in 2010, we estimate that for 81% of customers taking out a new Plan after 1st July 2011, the cash sum will be at least 15% bigger.

^Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics, Q1-Q4 2010.

**766,435 Guaranteed Over 50 Plan policyholders as at 21/04/2011.

††This testimonial is genuine and the original may be inspected at our Bristol offices giving 24 hours’ prior notice. The photograph is posed by a model to protect the privacy of the customer involved.

This website contains information on how the Guaranteed Over 50 Plan works. As the website does not contain advice, you need to be satisfied this type of policy meets your needs. If you are unsure and need advice, please visit www.unbiased.co.uk to find an Independent Financial Adviser in your area – you may have to pay for the financial advice provided.

Read More

scottishwidows LifeInsurance

Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

Life insurance

Protection for Life – a flexible life insurance plan that can change as your protection needs change – the following options are available:


Life insurance

Life Cover is the name of our insurance policy, under our Protection for Life plan, which can pay out a cash sum if you were to die during a specified period. It can be tailored to your individual needs with options to include premium protection.

Critical illness cover with Life insurance

We have a life insurance policy that includes critical illness cover, which is an option under our Protection for Life plan. This is called Critical Illness with Life Cover and can provide a cash sum if you were to die or be diagnosed with a specified critical illness during a specified period.

Whole of life insurance

Our simple whole of life insurance policy is called Lifetime Cover, which is an option under our Protection for Life plan. It pays out a cash lump sum on death.


We’ve paid out more than £1.1bn in Life Cover and Critical Illness Cover claims.

Best Doctors©

Best Doctors can provide you with a second opinion from a leading medical expert, without the need to travel. It’s available with all new Protection for Life policies.

Read More


Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

We’re committed to finding you the Best Price

We discount all our quotes to provide you with cheaper insurance.

We don’t charge you a penny – you pay your monthly premium directly to your insurer.

We guarantee to be cheaper than your bank, Financial Advisor or going direct to an insurer’s website.

We’re completely Unbiased

All our life quotes are totally unbiased.

We don’t have any sponsored insurers in our quote comparisons – we simply list results ordered by the cheapest price.

We have no advertising on our website for any individual insurer.

We always deliver Excellent Customer Service

We have highly trained Client Managers who can assist you with any questions you may have about your policy.

We will email you the search results so you don’t have to fill your information in more than once.

Your dedicated Client Manager will take care of all the administration and paperwork for you.

We’ll help you choose the Right Policy

Our results page will give you all the important Key Facts for every policy.

We’ll give you detailed information that will help you make an informed decision.

We display your quotes ordered by price so you can easily see the most competitive.

We respect your Privacy

We’ll never sell your information on or bombard you with unwanted sales calls.

You can opt out of receiving calls or emails at any time.

All personal information that you provide us is securely stored and we adhere to data regulations to ensure your data is safe.

What is life insurance?

Life Insurance is the most simple, popular and cost effective way to help protect your family or mortgage in the event of your death. If you were to die during the term of your policy then you can leave behind a lump sum of money with a level term policy or if you are insuring a repayment mortgage then you can opt for decreasing term.

Life insurance can be bought for a fixed term of between 5 and 40 years and usually runs until your 85th birthday. You can also buy the policy as either a single or joint policy. If you require a longer policy or need insurance past your 85th birthday then speak to one of our experts.

TIP – All our life insurance policies also have terminal illness cover included at no extra cost for your extra peace of mind.

Read More

Goodhealth Worldwide

Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

Expatriate medical insurance
Comprehensive private medical insurance products from Goodhealth Worldwide for expatriates of all nationalities.

If you need expatriate medical insurance, contact Goodhealth. We offer first class medical insurance and health insurance products for expatriates in most global locations. So whenever you need medical insurance, wherever you are in the world, we are always close at hand. If you or your family becomes ill whilst living abroad, or if you encounter different healthcare systems, climates, diseases and languages, Goodhealth’s expatriate medical insurance will provide peace of mind.
Click here to find out more about our expatriate medical insurance products or request an instant insurance quote.
Why take out an expatriate medical insurance policy?

If you are living or working abroad, it is important to take out expatriate medical insurance in order to insure your health, protect your assets and to give you freedom of choice. This insurance will also give you access to the best medical facilities in the world and provides important medical cover where you need it.
Whatever your medical insurance needs, Goodhealth have the products to suit you and because we are a specialist provider of expatriate medical insurance, you can be assured that we will always be on hand to help you and your family, no matter where in the world you may be.
Why choose Goodhealth for expatriate medical insurance?

Goodhealth is one of the largest UK-based providers of international medical insurance. Our comprehensive medical insurance products enable you to access the best medical facilities through local support and international knowledge, plus our network of regional offices ensures claims are settled quickly, efficiently and locally. Review some of our recent case studies here – one / two / three / four.

We also give you peace of mind by protecting your health and your assets through our expatriate medical insurance policies – as one of the leading and most experienced providers of international medical and health insurance, we have been helping expatriates from around the world for more than 25 years. Goodhealth (part of Aetna Inc) are a company dedicated to medical insurance, so we understand the importance of being on hand to help you no matter where in the world you are.

Aetna Global Benefits (AGB) provide a comprehensive range of private medical schemes to expatriates of all nationalities around the world.

Our in-depth understanding and total knowledge of the marketplace has allowed us to offer a truly unique range of healthcare products to a wide audience.

The AGB Affiliation Program offers you the chance to participate in our on-going success and a unique opportunity to share in the profits.

We have made joining the Affiliation Program as simple as possible.

After your application has been approved we will provide you with all the tools to successfully sell.

These include:

Web Based software for real time reporting of your earnings (through our partner Commission Junction).
Quick and easy access to banner creative and links to place on your site.
Special offers and promotions to further increase the money you make.
Referral checks sent to you each month.
Read More

Debenhams – Life Insurance

Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

Life Insurance – Overview

Life insurance is a great way to ensure your loved ones will be financially secure if anything were to happen to you. By paying a small premium** each month, you can provide financial protection in the form of a lump sum payment should the worst happen.

As well as the peace of mind you get from protecting your family you can also enjoy a £50* Debenhams giftcard to use in store or online when you take out our Life Insurance.

Life Insurance provides invaluable peace of mind and can be used for the following:

  • Pay off your mortgage
  • Help finance dependants’ present and future education
  • Provide finance to help your family maintain their lifestyle
  • Pay off credit card or personal loan debts
  • Cover funeral costs

We offer the following Life Insurance products:

  • Life Level Term Insurance
  • Life Level Term Insurance with Critical Illness Cover
  • Mortgage Life Insurance
  • Mortgage Life Insurance with Critical Illness Cover
  • Critical Illness Cover

How Debenhams Life Insurance compares:

We work with theidol.com (UK Life Insurance specialists). The service compares quotes from leading UK life insurers online in seconds.

This table below shows monthly premiums for a sum assured of £150,000 over a 20 year term.


Debenhams Life Cover Virgin Greenbee M&S Direct Line
£12.15 £15.97 £17.20 £17.75 £18.91


Debenhams Life Cover Virgin Greenbee M&S Direct Line
£9.58 £13.01 £13.93 £13.85 £15.01

Life insurance quotations above are correct at 14/09/2010 and apply to a Level Term Insurance quote for £150,000 over 20 years based on a single life, non-smoker, aged 40. All quotes are based on acceptance at standard rates.

The actual monthly payments will depend on your individual circumstances.

*£50 Debenhams giftcard – Your giftcard will be sent to you after you have made your sixth month’s life insurance payment. This offer applies to new policies only.**Your premium will depend on your individual circumstances and the level of cover you choose to provide.

Debenhams Retail Plc is an introducer appointed representative of Investment Discounts On-Line Ltd, who are authorised and regulated by the Financial Services Authority under the reference no. 197451. theidol.com is a trading style of Investment Discounts On-Line Ltd.

Life Insurance – Cover Details

We offer the following life insurance options:

Life Level Term

Life Level Term Insurance has an amount of cover which remains the same throughout the term of the policy. You decide the number of years you wish the policy to be in force and the level of cover you require at the outset. This policy will pay out on the death of the insured, or if critical illness cover is added, on the diagnosis of a specified critical illness. Whichever occurs first.

Mortgage Life Insurance

The amount of cover which a Mortgage Life Insurance policy provides decreases in line with the outstanding balance on a standard repayment mortgage. You choose the length of the policy (which is usually the same as the remaining years on your mortgage) and the initial level of cover at the outset. This policy will pay out on the death of the insured, or if critical illness cover is added, on the diagnosis of a specified critical illness. Whichever occurs first.

Critical Illness Cover

A Critical Illness policy pays out a lump sum upon diagnosis of a serious illness that is specified in the policy. The term and sum to be insured are decided at the outset. If a critical illness is diagnosed during the specified term then the sum insured is paid out.
All the above policies can be set up on a single or joint life basis. If a claim has not been made before the end of the term then the plan ceases and nothing is paid out. There is no cash in value at any time. If a claim is made then the policy ceases. In the case of Joint Life policies, cover will cease following the first claim from either life.

Long Term Income Protection (PHI)

Long Term Income Protection Insurance also known as Permanent Health Insurance is designed to pay you a regular income if an illness or injury prevents you from working. The income can be paid for as long as you are unable to work through accident, sickness or until the end of the policy term. This product has no investment content and has no cash in value at any time.

 Debenhams Retail Plc is an introducer appointed representative of Investment Discounts On-Line Ltd, who are authorised and regulated by the Financial Services Authority under the reference no. 197451. theidol.com is a trading style of Investment Discounts On-Line Ltd.

Read More

Adviser financial Life insurance

Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

The group of products known as general insurance, includes home, car, travel and health insurance products. These are the essential ‘every day’ insurance products that provide us with peace of mind in the event of the unexpected.

Adviser Financial can help you reduce the cost of this vital part of your financial planning, We are able to source insurance quotes for the following:

    • Home
    • Motor
    • Travel
    • Income & unemployment
    • Commercial
    • Marine
    • Pet
    • Professional Indemnity

Adviser Financial usually offers accident, sickness and unemployment insurance from the whole of the UK market.

Adviser Financial usually offers home insurance from the whole of the UK market.

A financial adviser, is a professional who renders financial services to individuals, businesses and governments. This can involve investment advice, which may include pension planning, and/or advice on life insurance and other insurances such as income protection insurance, critical illness insurance etc., and/or advice on mortgages.[1]

Ideally, the financial advisor helps the client maintain the desired balance of investment income, capital gains, and acceptable level of risk by using proper asset allocation. Financial advisors use stock, bonds, mutual funds, real estate investment trusts (REITs), options, futures, notes, and insurance products to meet the needs of their clients. Many financial advisers receive a commission payment for the various financial products that they broker, although “fee-based” planning is becoming increasingly popular in the financial services industry.

A further distinction should be made between “fee-based” and “fee-only” advisers. Fee-based advisers often charge asset based fees but may also collect commissions. Fee-only advisers do not collect commissions or referral fees paid by other product or service providers.[citation needed]

Some investment advisors only charge a fee based on the assets managed for the client. Typically they charge about 1.0 to 1.5% per year to make the investment decisions for the client. They do not collect


Read More