We don’t charge a fee for our service. This is because, when it comes to protecting things as important as your health and finances, it shouldn’t cost the earth.
Instead, we work closely with our providers, and when we set up a policy with one of their products, they provide us with a finder’s fee.
As a result, we can offer our 5-star service with no fee attached, and you can focus on protecting what’s important to you.
You can take out a policy online through Drewberry. Simply select the ‘Apply Online’ option once you’ve completed a quote form.
If you want to speak to an adviser, select the ‘Call Me’ option. You can also find the details for a Life Insurance expert at the top of the quote results page.
You’ll only speak to one person from start to finish, with a direct email and phone number to reach them. No need to worry about automated messages or having to explain your situation every time you speak to us.
We’re completely independent and impartial, which means we can compare quotes from a host of different providers. It also means we can negotiate better premiums than going to insurers directly.
We compare between leading Life Insurance providers:
There are a few options for Life Insurance policies to suit people’s individual needs.
There are a few main factors that affect the price of your Life Insurance policy:
There is no one size fits all approach when it comes to life insurance. The amount of cover you need will depend on a number of personal and lifestyle factors such as:
When considering your total level of cover it is important to work out how much your loved ones would need to meet any outstanding costs if you were no longer around.
You will also need to consider whether they could still afford the lifestyle they currently have. All these factors will play a part in determining how much cover you need.
Level and decreasing are used to describe how (if at all) the cover of your Life Insurance policy changes over time.
Critical Illness Cover is an optional extra you can add to your Life Insurance policy. It provides a lump sum payment if you were to become seriously unwell. The most common things covered are cancer, heart attack and stroke.
You can use the lump sum to help repay your mortgage, keep up with bills or adapt your home to suit a new disability.
Yes, you can get Joint Life Insurance. Just ‘Add Partner’ when taking completing your quote.
Joint Life Insurance is an option for couples who want to protect the same liabilities. It pays out if one of the policyholders passes away first. The problem is they only pay out once, even if both policyholders tragically pass away at the same time.
We generally recommend getting two separate Life Insurance policies because the price difference is minimal but the cover is much more comprehensive.
You can get Life Insurance with existing health conditions, but it can affect your policy.
If a health condition is life-threatening or reduces life expectancy, you could either have a premium loading to account for the additional risk or be outright declined cover.
If a health condition isn’t life-threatening and doesn’t reduce life expectancy, you may be able to get a Life Insurance policy with standard terms.
Keep in mind that providers will look at:
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