Life Insurance For Life Savers.

Whether you're looking to cover your mortgage, protect your family, or cover funeral costs we've got you sorted.

Up to £150 Cash Back Voucher!

Free Will Writing Kit

And Children's Cover Included!

"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 Quotes Today! Call: 0800 270 0004

Life Insurance For Life Savers

Get Up To £150 Voucher

FREE Will Writing Kit

Plus Children's Cover

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Whether you're looking to cover your mortgage, protect your family, or cover funeral costs we've got you sorted.

"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

Up to £150 to spend at your favourite retailers!

  • Get up to £150 voucher reward when you take out cover through us!
  • This is available to spend at a huge number of well-known retailers.
  • Simply log into our rewards platform and choose where to spend your reward!
  • It's our way of saying thank you, for doing the right thing!
Get Quotes Now
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How our voucher reward works: When you take out Life Insurance, Critical Illness Cover or Income Protection through Blue Light Insurance you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest whole number. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £47.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Reward not available for those who take out Private Medical Insurance or Whole of Life Insurance or for Wills, Trusts, Remortgages or Mortgages.

What is Life Insurance?

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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).

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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.

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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.

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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.

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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.

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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!

We work with some big names.

  • We're technically known as a "whole of market intermediary".
  • But all you need to know, is this means we can compare most UK insurers, to get you the best possible deal.
  • We work with lots of big names - many of which you will have heard of!
  • But importantly we also work with some lesser-known specialist insurers.
  • This means if you have pre-existing conditions or a risky job, we're best positioned to get you covered!
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Insurance that gives back to you!

We like to reward our customers for doing the right thing...

£150 Cash Back Voucher!


When you take out Life Insurance, Critical Illness Cover or Income Protection you get up to £150 to spend at hundreds of well-known retailers. Does not apply to Private Medical Insurance.

FREE Will Writing Kit


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.

Win Amazing Prizes!


Monthly Giveaways: On some months we offer giveaways and prizes, ask your adviser whether we're running one this month to see if you're eligible!

How our voucher reward works: When you take out Life Insurance, Critical Illness Cover or Income Protection through Blue Light Insurance you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest whole number. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £47.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Reward not available for those who take out Private Medical Insurance or Whole of Life Insurance or for Wills, Trusts, Remortgages or Mortgages.

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

Policies packed full of features.

Wouldn't it be nice if your insurance did more than just cover the worst case scenario? Many of the policies we offer 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!

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Why choose Blue Light Insurance?

1. We've got hundreds of five star trustpilot reviews



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.

3. We're authorised and regulated by the FCA



Blue Light Insurance Solutions is a trading name of Lifetime Financial Management Ltd, who are regulated by the Financial Conduct Authority.

The important stuff.

  • Blue Light Insurance Solutions is a trading name of Lifetime Financial Management Ltd - Authorised by the Financial Conduct Authority (FCA Number - 448415).
  • When you take out cover, you are protected by the Financial Services Compensation Scheme
  • We abide by the Data Protection Act 1998, and the General Data Protection Regulation (GDPR)
  • All phone calls are recorded for training and monitoring purposes.
Read our privacy policy here.
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