FOR PROTECTION PRODUCTS WE USUALLY OFFER FROM A RANGE OF PROVIDERS
For products with an investment element we will introduce you to an authorised adviser
In order to help you, they may wish to contact you from the details given to help source the ideal protection product. Note they offer this Life Insurance Broker service on an advice & recommendation basis with no fee charged unless advised.
Note: They may refer you to other parts of the company or other brokers to whom we have a business relationship if appropriate to help you get the best advice & recommendation for any other products.
Consider the following tips when looking for protection:-
* Speak to a Life Insurance Broker who can highlight the most appropriate policies for your individual circumstances.
* Don't always be lured by the lowest cost premiums. Let the Life Insurance Broker help you look at policy coverage and extras within the cover to make sure you are getting the best value for money.
* Make sure when applying for cover via the Life Insurance Broker any answers are correct and give all of your relevant personal information and medical history, or a subsequent claim might be rejected.
* Try to review your cover with your Life Insurance Broker at life changing events such as a change of job, having children, a change in marital status, increased debt or moving house.
* When replacing a policy, always seek advice from your Life Insurance Broker and compare like for like, as the premium may be cheaper but the coverage might not be as comprehensive. Never cancel anything until the new cover is in place.
* View critical illness, life insurance, income protection and mortgage protection insurance as a basket of goods - let the Life Insurance Broker help choose the most relevant for you at any given moment
* If the premiums are too big for your budget, consider letting the Life Insurance Broker get some initial cover - that you can add to later.
Sesame is a major player in the Uk Financial Services marketplace. In 2009 they joined forces with Bankhall to create the Uk's largest financial advisory networks - which were independantly owned by Friends Provident & Skandia but now part of the Aviva Group. Their ongoing training and development programme means that their Advisers' knowledge is current and they always try to keep abreast of industry changes.
Their advisers abide by the The Financial Conduct Authority principles that now require that all regulated firms to treat their customers fairly.
WE ARE UK LIFE INSURANCE
We do not handle any Life Insurance Providers existing plan or policy holder enquiries ~ If you are not an existing client of UK Life Insurance Quotes -
Should you wish to contact us
As Life Insurance Brokers, you can be sure that all information provided via us will be kept confidential - Registered under the Data Protection Act. This statement sets out our policy for the use and holding of information that is provided by or obtained from you. This policy applies to our website only and not to other websites to which we may provide links & thus have no control over.
By providing us with your personal data:
1. You agree that the information we hold about you can be held on computer and/or paper files.
2. You agree that any information which you provide to us, including sensitive personal data may be disclosed to appropriate third parties for the purpose of processing your Insurance case, and for the ongoing administration of your case but for no other purpose.
All information sent to us via the Life Insurance Brokerage enquiry forms on our website is processed by a secure server. There are no spam cookies or any other attempts to collect personal information from you.
Changes to personal information
If you wish to change or update your personal details held by us, or if you would like to remove all or any of your personal details from our database please contact us
Information we hold about you
In order that an adviser may assist you, we must obtain certain basic information from you about your personal circumstances, and by using this website and/or providing personal information you are indicating your consent to our obtaining personal information from you and to the holding, and use of the personal information that is provided by or obtained from you in accordance with this policy.
Life Insurance Brokers take this matter very seriously and may require your identity verification before establishing any business or be checked electronically. To guard against the dangers of postal intercept and fraud, prospective customers are not asked to send originals of valuable personal identity documents, for example passport, identity card, driving licence etc, by post. As there is no face-to-face contact certified copies will be obtained.
A regulated or professional person covered by the money laundering regulations or government department should certify these copies, wherever possible. Under the guidance issued by HMSO, notaries, solicitors, banks, UK government departments and any person or institution subject to the requirements of the Money Laundering Regulations can photocopy and certify your personal details page of a UK passport. When photocopying a passport it must be in black and white so that they cannot be mistaken for an actual passport page. It should be noted that applicants will not be permitted to certify their own identification evidence.
Money Laundering Form
Access and use of the www.uklifeinsurancequotes.co.uk "the Website" is provided subject to the following terms and conditions of use. By accessing the Website you signify your acceptance of these LIFE INSURANCE BROKER terms and conditions of use.
Accuracy of Information
All reasonable endeavours have been taken to ensure that the information published on the Website is accurate. However, we do not warrant that the information is accurate or complete. You are advised to discuss your specific requirements with an appropriate professional Life Insurance Broker adviser. You acknowledge and agree that certain information within the Website is provided by third parties and that we have no control over the accuracy or completeness of such third party data or websites. Any Providers Logo's used are for merely for visual and information purposes only & do not imply any specific business relationships unless advised.
The information, services, systems, articles and data published on the Website is intended for general information only and should not be construed as advice under the Financial Services and Markets Act 2000. You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.
You may not: restrict or inhibit any other user from using and enjoying the Website; or post or transmit any unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any law; or post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial messages or engage in spamming or flooding; or upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Website without prior written permission of the Company. If you take a copy or set up a link to any of the pages of the Website, you must be aware that all of these terms and conditions, warnings and disclaimers will continue to apply.
The creditfinancecentre.co.uk website like many websites uses a "session cookie" to identify your browser "session" as you move between pages on the website and perform activities. The cookie is named creditfinancecentre.co.uk-cookie and will last usually for 3 months.
The website cookie allows our website to recognise each subsequent request from your browser as being the same browser that made the initial request to our website.
By knowing that each subsequent request is related to the first, our website is able to track your actions as you move around the website and to provide interactive features if relevant. By analysing how our website is being used in general, we can improve the website experience for future visitors. Should
you experience any problems in using our website, our website developers may be able to use this information to track down your specific "user journey" and investigate and fix any issues that might arise.
The cookie itself is a very small text file that is stored on your device (for example, your PC or your phone) by your web browser. It contains a simple text code that your browser sends back to our website each time you browse to a new page. This allows the website to look up your specific session and associate data for that session with your browser. The data itself is not stored in your cookie but on the server(s) operating the website.
(if your site uses any of the features below, include text similar to that below)
The session cookie provides the means for you to take part in votes (or polls) on the website.
The session cookie provides the means to remember your selected accessibility view of the website.
The session cookie provides the means to remember which files you have requested to be sent to you by email and the date and time at which such requests were made.
The session cookie provides the means to remember the data used on the Operational Support Request page and Quote page. (for Lambda Group)
As we improve our website over time, similar and more advanced features may be added that also require a "session cookie" to operate.
Google Analytics collects information anonymously; it reports website trends without identifying individual visitors. The cookies store information such as the number of visits to the website and what site referred the visitor to the web page. We use the information to view reports about how visitors interact with the website and to help us improve the website. A different set of cookies is used for each website, and visitors are not tracked across multiple sites.
Information about these cookies and how to reject or delete them: http://www.google.co.uk/intl/en/analytics/privacyoverview.html and http://www.google.com/intl/en/policies/privacy/ads/#toc-analytics.
To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.
How to control and delete cookies
You may restrict or block the cookies which are set by the creditfinancecentre.co.uk website, or any other website, through your browser settings.
To find out more about cookies and how to manage them, visit www.aboutcookies.org.
Please be aware that restricting cookies may impact on the functionality of the creditfinancecentre.co.uk website.
The creditfinancecentre.co.uk website may use Adobe Flash Player to provide video content. Local Shared Objects (commonly known as Flash Cookies) may be used to improve user experience, for example to save your playback preferences. Flash Cookies are similar to cookies, however they are managed differently.
How to disable Flash Cookies:
Information on how to disable and delete Flash Cookies is provided on the Adobe website at http://www.adobe.com/products/flashplayer/security.
Your experience of the creditfinancecentre.co.uk website may be affected if you restrict the use of Flash Cookies.
Limitation of Liability
You accept that we shall not be liable in any event for any direct, indirect or consequential loss or damages arising from use of the Website. The Website is provided 'as is'. All third party logos on the site are for information purposes & do not imply a binding or business relationship. All warranties whether express or implied under law including without limitation any warranty for the information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness of purpose, infringement of third party property rights are hereby expressly excluded with the sole exception that no exclusion of liability is claimed of death or personal injury as a result of negligence by the Company.
Governing Law and Jurisdiction
These terms and conditions of use are governed by English Law and you agree to submit to the exclusive jurisdiction of the English Courts.
We reserve the right to change these terms and conditions at any time without prior notice.
You acknowledge that you have read and accepted these terms and conditions of use.
This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. For protection products we usually offer from a range of providers. For products with an investment element we will introduce you to an authorised adviser. We may also introduce you to other selected professional partners for other protection or legal products as deemed appropriate. Online Dispute Resolution (ODR) - https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.chooseLanguage. Financial Ombudsman. http://www.financial-ombudsman.org.uk We nominate to fundraise for Great Ormond Street Hospital Charity.
UK Life Insurance Quotes is a trading style of Martyn Spencer which is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority FCA. FCA Register No: 416331
Registered & comply with the Data Protection Act (1998). Personal information is secure online, not misused or sent via spam. T&C:Cookies