Life, Sickness and Critical Illness Insurance Advice Fees

Personal or Business insurance protection is available for all cover options below.

  • Nil Commission:  Life, critical illness and income protection insurance are areas of finance that advisers, agents and brokers can still be paid FULL commission.  Have you ever wondered why you get offered free wills, clocks, pens, cash back, 1st month free etc?  They can afford it with all that 'lovely' commission you are paying for in higher premiums! 
  • Fixed Fees: With our fixed fee, nil commission approach, your premiums are lower every month which may save you many £ hundreds/thousands over the coming years.  Alternatively, we will get you more cover per £ for the premiums that you pay.
  • Fairness - Charge Per Person: Why pay more in premiums (or commissions) just because you need cover for 1, 2, 3, 4 people?  We charge a set fee per person, irrespective of the level of cover needed to reflect the work involved and hopefully, save you money long term. 
  • Free Trusts/Cross Option Help To Save Tax:  For personal cover or business cover, we will (at not extra charge) arrange policies in trust (private or business) plus cross option agreements (business) to ensure benefits are paid quickly and inheritance tax efficient.

When you see this: = guidance notes/videos in the quotation form to help you complete your fee quotation.

Products

 

PRIVATE or BUSINESS Nil Commission Life Insurance Cover (up to £250,000) - Research, Placement and Application to Completion.

  • We will compare hundreds of life insurance protection products and rates on a NIL COMMISSION basis.
  • We charge fees to ensure no commission is taken to either REDUCE PREMIUMS to secure you the LOWEST MONTHLY PREMIUM for the insurance cover you need.
  • Nil commission to secure you the HIGHEST LEVEL OF COVER/SUM ASSURED for the premium that you can afford.
  • We will assess the feasibility and suitability for your application.
  • We will research, review and compare to recommend a suitable policy(ies) for you.
  • Personal Cover: We will discuss with you and arrange for the policy to be in Trust (if needed) to ensure your loved ones/beneficiaries receive funds quickly and also protect from inheritance taxes (if applicable).
  • Business Cover: We will discuss with you and supply Keyperson Calculations, Directors Share or Partnership Share Agreements and Trust arrangements.
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will deal with the application and any doctors reports or medical examinations if required.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Fixed Fee : Per Person (Upfront) - £907.50
2. Non Face to Face Paid On Completion
15% Discount
Fixed Fee : Per Person (Completion) - £1,028.50
3. Face to Face Paid Upfront
10% Discount
Fixed Fee : Per Person (Upfront) - £1,089.00
4. Face to Face Paid On Completion
Standard Fee
Fixed Fee : Per Person (Completion) - £1,210.00
 
 

PRIVATE or BUSINESS Nil Commission Life Insurance Cover (over £250,000) - Research, Placement and Application to Completion.

  • We will compare hundreds of life insurance protection products and rates on a NIL COMMISSION basis.
  • We charge fees to ensure no commission is taken to either REDUCE PREMIUMS to secure you the LOWEST MONTHLY PREMIUM for the insurance cover you need.
  • Nil commission to secure you the HIGHEST LEVEL OF COVER/SUM ASSURED for the premium that you can afford.
  • We will assess the feasibility and suitability for your application.
  • We will research, review and compare to recommend a suitable policy(ies) for you.
  • Personal Cover: We will discuss with you and arrange for the policy to be in Trust (if needed) to ensure your loved ones/beneficiaries receive funds quickly and also protect from inheritance taxes (if applicable).
  • Business Cover: We will discuss with you and supply Keyperson Calculations, Directors Share or Partnership Share Agreements and Trust arrangements.
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will deal with the application and any doctors reports or medical examinations if required.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Fixed Fee : Per Person (Upfront) - £1,089.00
2. Non Face to Face Paid On Completion
15% Discount
Fixed Fee : Per Person (Completion) - £748.00
3. Face to Face Paid Upfront
10% Discount
Fixed Fee : Per Person (Upfront) - £1,306.80
4. Face to Face Paid On Completion
Standard Fee
Fixed Fee : Per Person (Completion) - £1,452.00
 
 

PRIVATE or BUSINESS Nil Commission Life & Critical Illness Insurance Cover - Research, Placement and Application to Completion.

  • We will compare hundreds of life and critical insurance protection products and rates on a NIL COMMISSION basis.
  • We charge fees to ensure no commission is taken to either REDUCE PREMIUMS to secure you the LOWEST MONTHLY PREMIUM for the insurance cover you need.
  • Nil commission to secure you the HIGHEST LEVEL OF COVER/SUM ASSURED for the premium that you can afford.
  • We will assess the feasibility and suitability for your application.
  • We will research, review and compare to recommend a suitable policy(ies) for you.
  • Personal Cover: We will discuss with you and arrange for the policy to be in Trust (if needed) to ensure your loved ones/beneficiaries receive funds quickly and also protect from inheritance taxes (if applicable).  This will usually be a SPLIT TRUST (paid to you if a serious, critical illness i.e.  you are alive, paid to beneficiaries if paid out on death).
  • Business Cover: We will discuss with you and supply Keyperson Calculations, Directors Share or Partnership Share Agreements and Trust arrangements.
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will deal with the application and any doctors reports or medical examinations if required.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Fixed Fee : Per Person (Upfront) - £1,089.00
2. Non Face to Face Paid On Completion
15% Discount
Fixed Fee : Per Person (Completion) - £1,234.20
3. Face to Face Paid Upfront
10% Discount
Fixed Fee : Per Person (Upfront) - £1,306.80
4. Face to Face Paid On Completion
Standard Fee
Fixed Fee : Per Person (Completion) - £1,452.00
 
 

PRIVATE or BUSINESS Nil Commission Income Protection Insurance - Research, Placement and Application to Completion.

  • We will compare hundreds of income protection products and rates on a NIL COMMISSION basis to provide an income to you personal or a business in the event of being unable to work.
  • We charge fees to ensure no commission is taken to either REDUCE PREMIUMS to secure you the LOWEST MONTHLY PREMIUM for the insurance cover you need.
  • Nil commission to secure you the HIGHEST LEVEL OF COVER/SUM ASSURED for the premium that you can afford.
  • We will assess the feasibility and suitability for your application.
  • We will research, review and compare to recommend a suitable policy(ies) for you.
  • Personal Cover: We will discuss with you and arrange the policy to ensure you receive replacement income quickly in the event of being unable to work.
  • Business Cover: We will discuss with you and supply Keyperson Calculations, Directors or Partnership Cover to ensure you receive replacement income quickly to protect the business.
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will deal with the application and any doctors reports or medical examinations if required.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Fixed Fee : Per Person (Upfront) - £1,089.00
2. Non Face to Face Paid On Completion
15% Discount
Fixed Fee : Per Person (Completion) - £1,234.20
3. Face to Face Paid Upfront
10% Discount
Fixed Fee : Per Person (Upfront) - £1,306.80
4. Face to Face Paid On Completion
Standard Fee
Fixed Fee : Per Person (Completion) - £1,452.00
 

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