28 May 2024
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Cheap Life Insurance

What Makes a Cheap Life Insurance Quote ?

When you take out a life insurance, critical illness or income protection insurance policy there is a built in up front fee added to your payments. This is known as commission and is added whether you take you policy via a broker, online or even direct to an insurance company.

With Go Direct we make our life insurance quotes are cheaper by rebate 50% of the initial commission that the provider would have paid to us back into your policy reducing the up from cost and your monthly premiums. This makes our premiums cheaper than going direct to the assurance company for your policy.

Best Price Guarantee

Best Price Guarantee

Go Direct guarantee that at the time of application you will not get cheaper like for like quotes on your cover using our insurance quote system. With Go Direct you can obtain instant cheap life insurance quotes on term insurance, critical illness cover and income protection insurance.

Our quote system will give you the choice of the all the major life insurance companies such as Aviva, Legal & General, LV and Zurich with the benefit of our discounted premiums.

What Could I Save on Your Premiums?

Many website's promise the best life insurance premiums, but how do you know much will you really save on your policy. Below are some examples of the typical savings you can make on your term life insurance and critical illness cover premiums.

Cheap Term Life Insurance

The level term life insurance quote examples below are for full commission term insurance and typical examples of the cheap life insurance quotes you would get with Go Direct. You can also quickly see what life cover is affordable for you.

£200,000 Level Term Life Insurance over 20 years (A)

Example Clients

Life Insurance Provider

Go Direct Cheapest Quote

Standard Direct Quote

Saving Over the Term

Male or Female 30 non-smoker

AIG

£5.72

£6.68

£230 over the term

Male or Female Age 30 Smoker

Legal & General

£9.35

£11.29

£271 over the term

Male or Female 45 non-smoker

Legal & General

£15.89

£18.34

£588 over the term

Male or Female 45 Smoker

Legal & General

£37.28

£43.03

£1380 over the term

Joint 2 x 35 Year old Non Smokers

AIG

£13.68

£15.98

£552 over the term

(A) Assumes person in good health, age given is age next birthday. At full commission, source Go Direct online (1) 09/01/2024.

The above quotes are for illustrative purposes only the actual premiums will be dependent on your individual circumstances.

Cheap Critical Illness Cover

The level life & critical illness insurance quotes below are examples of full commission life & critical illness insurance and typical examples of the quotes you would receive from Go Direct. You can quickly see whether life & critical illness cover is affordable for you.

£200,000 Level Life & Critical Illness Insurance over 20 years (A)

Example Clients

Life Insurance Provider

Go Direct Cheapest Quote

Standard Direct Quote

Saving Over the Term

Male or Female 30 non-smoker

Legal & General

£33.70

£39.72

£1445 over the term

Male or Female 30 Smoker

Legal & General

£47.41

£53.14

£1375 over the term

Male or Female 45 non-smoker

Zurich

£109.88

£123.17

£3189 over the term

Male or Female 45 Smoker

Legal & General

£178.05

£209.87

£7737 over the term

Joint 2 x 35 Year old Non Smokers

Legal & General

£93.01

£109.63

£3988 over the term

(A) Assumes person in good health, age given is age next birthday At full commission, source Go Direct online (1) 09/01/2024.

The above quotes are for illustrative purposes only the actual premiums will be dependent on your individual circumstances.

Do you want Advice on Cheap Life Insurance ?

If you would like no obligation phone based life insurance advice, complete our inquiry form and we will call you to discuses your protection needs. What's more unlike some other online brokers your will still receive our cheap online prices when we give you advice..

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Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales Company 5703224. FCA Number 456600