Why We're Cheaper
The Normal Set-up (Commission-based)
Normally, when you take out a life insurance or critical illness cover policy as arranged by your mortgage adviser, IFA or through one of our competitor's websites, the insurance company will pay commission to whoever arranges your cover. In most cases there is no legal requirement to tell you how much commission will be paid unless you specifically ask.
You may be surprised to know how much commission is paid to whoever arranges your policy. See our competition comparison tables for examples of premiums and savings.
How About Going Direct?
You might think that cutting out the middleman and applying directly to an insurance company would result in a lower premium because there is no commission being paid to a third party. A reasonable assumption but in fact it doesn't work that way.
Again, see our comparison tables section that includes quotes directly from insurers or see for yourself by getting a free instant quote.
Why Do Quotes Differ For The Same Policy?
Depending on how much research you've done already, you may have found different premiums quoted for the exact same policy from different sources. This may be due to different commission terms that the company providing the quotes has with the insurance companies.
Relating to this, some advisers may automatically discount a chunk of their commission to ‘under-cut’ the competition. We think none is better than some.
How Much Can I Save?
Your saving may be considerable, especially as this is long-term cover that you may be paying for many years.
Compare us to the competition.
What’s The Catch?
There’s no catch! Feel free to use our instant quote engine to get as many quotes as you like and see how much of a reduction you could benefit from.
If you want to take advantage of these savings and apply for your protection insurance cover through Last Quote simply complete the electronic form and payment details for the £29.00 administration fee. If you prefer, you can to post your application and / or payment.
