Digital Point Blog

Despite the current recession telling me to cut back, my wife gave me my marching orders to increase the financial protection for the family. Specific orders from the captain were to make sure the mortgage was insured and to make sure we had mortgage protection insurance and income protection in case I lost my job at Tesco’s. I’ve a bee in my bonnet about getting medical insurance ever since I needed an operation on my elbow, so I also added medical insurance to my shopping list.

I knew I’d be able to do everything online so last night after we’d put the kids to bed, I settled down behind my computer.

I’ve already got a small life insurance policy for £50,000 which I bought before I met the wife and I’d always intended to get more cover to repay our mortgage if the worst were to happen. (Does the wife know something I don’t!!) So that’s where I started.

A friend told me that I’d get the best deal if I went through a broker as they can play one life insurance company off against another. So I set off on Google but ignored the sites from Legal & General, Norwich Union and such like, until I came across a site called Brokers Online - sounded like the right sort of name to me but I noticed that their site address was www.life-insurance-bureau.co.uk . It turned out that they are part of a co-operative of web sites all called Brokers Online specialising in family finances and family insurance. It turned out to be a pretty slick operation.

They offered a quote comparison service for my life insurance and within ten minutes I got a call from one of their advisers fro Click Financial. He went through 4 quotes with me and advised me to go for Decreasing Term Mortgage Life Insurance. It was far cheaper than any thing else and cheaper than I was quoted at Norwich Unions own site (Yes I did check them out although I wasn’t going to!).

Whilst on this job I noticed that Brokers Online could also sort me out for mortgage protection insurance and income protection. It transpired that they used British insurance for both of these insurances because British insurance had been showered in awards for their policies. It took me precisely ten minutes to get both these insurances sorted out and they were dead cheap. And I wasn’t tied in to anything – I could cancel them at any time without penalty. The boss was impressed!

That left the health insurance that I particularly wanted. Again I used Brokers Online. Medical Insurance is actually quite complicated. It’s not that it’s difficult to understand, it’s just that there are so many variations of policies available. So I completed my details and a specialist adviser phoned me back to discuss the options and costs. That was much easier than trying to sort it all out myself. In the end I bought a family policy which suits me just right.

The whole process of buying four insurance policies took me 45 minutes online and 30 minutes on the phone. Thank you Brokers Online!


Tags: Life Insurance, life assurance, income insurance, income protection, life cover, critical illness cover, Family Income Benefit, LifeSearch, UK

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When was the last time that you reviewed your apartment owner insurance? If it's been over a year, it's been too long. To make sure that you are covered properly, it's important to review your insurance policy on a regular basis and make updates to it regularly.

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