Life Insurance and more...

Provided by Investment Discounts On-Line Ltd.

Is your current life insurance too expensive? Try a cheaper policy by requesting a quote today.

Our commercial partners Investment Discounts On-Line (IDOL) are independent discount brokers operating exclusively over the Internet.

We offer a direct offer service where no advice is given or implied. We could save you ££££s on your existing or new life insurance policy.

We complete a comprehensive search of the Life Insurance Market to find a competitive quotation.

We constantly review both the Life Insurance Market and our competitors, to enable us to consistently offer some of the lowest rates for mortgage protection life cover and level term insurance in the UK.

We pride ourselves on the high standard of service we offer from the initial quotation right through to the policy delivery.

Investment Discounts On-Line Ltd are authorised and regulated by the Financial Standards Authority.

Critical Illness Insurance

A Critical Illness policy is an insurance policy, which pays out a lump sum upon diagnosis of a serious illness.

The term and sum to be insured are decided at the outset.

If a critical illness is diagnosed during the specified term then the sum insured is paid out.

If you have not suffered any serious illness at the end of the term then the plan ceases and nothing is paid out.

The plan can be set up on a single or joint life basis and can be added to either Level Term or mortgage life protection.

Life Term Insurance

Covers you against death for a limited specified time.

You decide on a sum insured and a term of years from the outset.

The sum insured remains constant throughout the term.

The plan has no investment content.

If you die during the specified term then the sum insured is paid out.

Can be set up as a single life plan, insuring one life for a predetermined sum insured and term.

May also be set up as a Joint life first death plan where the sum insured is payable on the first death.

Critical Illness benefit can be added to most plans where the benefit is paid on either death or a critical illness whichever should occur first.

Terminal Illness benefit is normally payable on most policies during the term of the policy, this usually excludes the last 18 months of the policy term.

As soon as the sum insured is paid out the plan ceases. · If you survive the term and the sum insured has not become payable then the plan ceases and nothing is paid out.

Long Term Income Protection

Question: If you are ill and cannot work, who will pay the bills?

We have the solution.

IDOL has now formed a partnership with Liverpool Victoria one of the leading providers of Income Protection in the UK who through their Income Protection Policies will give you a tax-free replacement income if you are unfortunately unable to work through sickness or accident.

Lets look at some of the many benefits Income Protection can provide for you:

• Income payable until you recover, or the termination date of the policy.
• No income tax to pay on the replacement income.
• Worldwide cover for UK residents.
• No Premiums to pay during a claim after 13 weeks incapacity.
• No exclusions other than HIV/Aids.
• Discounts of up to 20% for certain occupations.
• A range of income protection products to suit your individual needs.

Mortgage Life Insurance

Helps protect your family's financial security by paying off your mortgage balance if you die prematurely.

You decide on a sum insured and a term of years from the outset.

The plan has no investment content.

The sum insured reduces each month during the term.

The plan is designed to pay a sum insured that will be equal to the outstanding capital amount under a standard repayment mortgage.

If you die during the specified term then the sum insured is paid out.

Can be set up as a single life plan, insuring one life for a predetermined sum insured and term.

May also be set up as a Joint life first death plan where the sum insured is payable on the first death.

Critical Illness benefit can be added to most plans where the benefit is paid on either death or a critical illness whichever should occur first.

Terminal Illness benefit is normally payable on most policies during the term of the policy, this usually excludes the last 18 months of the policy term.

As soon as the sum insured is paid out the plan ceases.

If you survive the term and the sum insured has not become payable then the plan ends and nothing is paid out.

Click on the button above to be directed to the idol.com for your quote or call 0870 870 4404.

This page provides an overview of our protection products. With your application pack we will provide a Written Quotation, the Individual Company's Key Features and Full Product Details.