Competitive Life Insurance

For the same life cover and term of plan, different insurance companies have different rates for the same client. These don't just vary by pence they can and usually do vary by pounds. Some companies are better for smoker rates and some are better for different age groups.

Independent advice means that the adviser will compare and base the advice on your specific requirements and these can also be related to cost. Again it is possible that a print out of the alternatives can be seen as confirmation of the competitive cost of a recommended provider.