"They have access to companies you can't quote for yourself so this opened up additional options to us above the price comparison sites. Our advisor was superb and beat our other quotes by around 20%." – Barney, Trustpilot
Get Your Quotes! Call: 0800 270 0004"They have access to companies you can't quote for yourself so this opened up additional options to us above the price comparison sites. Our advisor was superb and beat our other quotes by around 20%." – Barney, Trustpilot
Exclusive offer through...
How our voucher reward works: When you take out cover through Blue Light Insurance you are eligible for our voucher reward offer. The amount of your voucher is calculated by the size of your first monthly insurance policy premium, rounded up to the nearest £5. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £50.00. The voucher reward is payable only when your policy goes active and is issued 3 calendar months after your policy start date by email, using the same email address you used when you applied for cover with us. Maximum voucher reward per postcode is £150.00. If you allow your policy to lapse, or if the policy is in arrears prior to the intended voucher issuance date, then the voucher will be withheld until the policy is live and all payments are brought up to date. If for any other reason the insurer removes your policy from active status or your policy is in review, or further information is being assessed by underwriters before the intended voucher issuance date, the voucher will be withheld until the policy is “live” and premiums are paid and up to date again. Offer does not apply to Private Medical Insurance or Hive Guaranteed Acceptance Insurance.
We like to reward our customers for doing the right thing...
When you take out cover you're entered into our monthly giveaways (every month for 6 months)! That's 6 chances to win prizes worth up to £250!
We apply a reduction to the commission we receive from the insurers, and pass that saving on to you in the form of cheaper premiums!
When you take out an insurance policy through us you're automatically eligible for a FREE Will Writing kit, because protecting your family is what we do.
How our Monthly Giveaways Work: There is no entry fee to enter the monthly giveaway competitions, but to be eligible you must have purchased an insurance policy through Blue Light Insurance, via the offer posted on "healthservicediscounts.com" in the 6 months prior to the date of the competition. You will therefore be entered into 6 competitions once your cover has been activated. Route to entry for the competition is only via the offer posted on “healthservicediscounts.com”. Only one entry will be accepted per postcode. Multiple entries from the same person will be disqualified. You will be entered into the competitions automatically. Competitions are run once per month on the first Tuesday of each month (or as close as possible to this date). When a competition is run all qualified entrants will be collated, and a winner selected at random using a random number generator. Competition results can be provided on request but will not include personal information about the entrants or anything that contravenes GDPR rules. No responsibility can be accepted for entries not received for whatever reason. Prizes are not transferable. Prizes are subject to availability, and we reserve the right to substitute any prize with another of similar value without giving notice. See full terms and conditions, competition dates, and prizes on offer here.
How our free will kits work: In the event you purchase a policy through Blue Light Insurance you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority
How our premium discounts work: We apply a 10% “commission sacrifice” to all Life Insurance, Critical Illness Cover and Income Protection quotes, thereby reducing the standard commission levels we receive from the insurers, which leads to a reduction in your monthly premium. Please note a 10% commission sacrifice will not result in a 10% reduction in insurance premium as the commission we receive only makes up a proportion of your monthly premium. The actual reduction in premium will depend on several factors including, but not limited to, the size of premium, and the commission levels offered to us by the chosen insurer.
Don't just take our word for it, why not check us out on Trustpilot and have a read of some of the great things other Blue Light Workers have to say about us.
By default we apply a reduction to the commission we receive from the insurers, and pass that saving on to you in the form of cheaper premiums! Terms & Conditions Apply
Wouldn't it be nice if your insurance did more than just cover the worst case scenario? Many of the policies we advise on include all sorts of extra benefits including:
24/7 Digital GP Services
Mental Health Support Services
Best Doctors® - Second Medical Opinion
Rewards for leading an active lifestyle
If you want to find out more about additional benefits and services, then just speak to one of our advisers - they'll be happy to help!
Get Your Quotes!What is Life Insurance for?
Life Insurance is designed to pay a lump sum (or sometimes an income) in the event of your death. It's usually used to provide financial support to your loved ones, or to pay off a large debt such as a mortgage. When you take out Life Insurance, you cover yourself for a set amount (e.g. £100,000) over a set period of time (e.g. 25 years).
What's the difference between level and decreasing cover?
If you choose a level policy, the amount you are covered for will stay the same over the life of the policy. If you choose a decreasing policy, the amount you are covered for will decrease over the life of the policy. Decreasing policies are usually designed to cover a mortgage that you are gradually paying off. Premiums for decreasing policies are cheaper than they are for level policies.
Are Life Insurance premiums fixed?
In most cases yes, but you do need to be careful here. We will always recommend that you use "guaranteed" premiums. This means they are fixed, and do not increase over time. However some insurers also offer "reviewable" premiums which do tend to increase as you get older.
Does the money pay as a lump sum, or an income?
This depends on the type of policy you choose. Most Life Insurance policies are designed to pay out as a one-off lump. However you can also take out "Family Income Benefit" life insurance, which is designed to pay your family an ongoing income instead. Our team can help you decide what it right for you.
Will my insurer try to wriggle out of a claim?
It is a common misconception that insurers do their best to avoid paying claims. In fact, insurers have to publish their claims statistics each year and the vast majority can prove they pay well over 95% of their life insurance claims.
Can I get life insurance through my employer?
Some employers do offer a form of life insurance called "death in service". Whilst this is a brilliant benefit (if you are lucky enough to be offered it) you shouldn't necessarily rely on it entirely. Remember that if you leave your current employer, you'll leave your life insurance behind too, and life insurance gets more difficult and expensive to take out the older you get. Our recommendation is to always have some personal cover in place too!