Life Cover Quotes editorial team
We write and update the guides, cover pages and insurer reviews on Life Cover Quotes, and check every figure against its source.
About the team
Life Cover Quotes is a commercial website about life insurance in the UK: our partner broker pays us a fee when we introduce you, and no insurer pays to be reviewed or featured here. The editorial team writes the guides, the cover pages and the insurer reviews, and updates them when the facts behind them change.
The pages explain life insurance in plain English: term and whole of life cover, over 50s plans, critical illness cover, income protection, and cover for a mortgage, a family, smokers or people with a health condition. The aim is that you know what to look for before you speak to a broker.
The site is run by the trading entity named at the foot of every page, an Introducer Appointed Representative of Visionary Markets Ltd. Our regulatory details are on our About us page.
How a page is researched and checked
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Facts from primary sourcesEvery rule, figure and policy detail comes from a source we keep a dated copy of: GOV.UK, HMRC, MoneyHelper, the FCA and the Association of British Insurers for the rules and statistics, and each insurer’s own policy documents, key features and claims reports for its products, with ratings from Defaqto and Trustpilot. Each figure is checked against that copy before a page goes live.
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Sources on every pageEach guide and cover page lists its main sources at the end. Each insurer review lists the policy documents and reports behind it.
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DatedEvery guide, cover page and insurer review shows the date it was last updated. When we change a page, we check what we change against the latest document. Where a table has its own date, that is when its figures were last checked.
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Information, not adviceThe pages explain how cover works; they do not recommend a policy, and Life Cover Quotes does not endorse any insurance company. If you ask for quotes, our partner FCA authorised broker discusses your options with you.
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CorrectionsIf you find a mistake or something out of date, please contact us. We check it against the source and correct the page.
Editorial independence
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How the site is paid forThe site is free to use. If you ask for quotes, we pass your details to our partner FCA authorised broker. Our partner FCA authorised broker pays us an introductory fee only.
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No paid reviewsNo insurer pays to be reviewed or featured on this site.
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Never rankedWhich insurers we review doesn’t depend on our broker partner. Where we compare insurers, they are listed in alphabetical order, and where we name the ones that meet a published measure, such as a Defaqto star rating, we say which measure it is.