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In this review of The Exeter we’ll discuss their life insurance product to help you establish whether it’s a good option to meet your needs.
The Exeter life insurance has been created specifically for those with pre-existing medical conditions who may find it hard to secure standard life cover.
For example:
This makes them what’s known as a ‘specialist insurer’. The Exeter life insurance is available through our advised team.
Using our fee-free service you can compare quotes from The Exeter with other specialist insurers, as well as mainstream insurers.
We take your personal needs and circumstances into consideration to present you with our most suitable deals.
All quotes are personalised, fee-free and without obligation, so why not get in touch?
The Exeter Friendly Society Limited (EFS Ltd) was established in 2008 after the merge of two friendly societies, The Exeter Friendly Society and Pioneer Friendly Society.
Since the 1880s, these societies have provided private medical insurance and income protection cover.
Now, The Exeter offers a unique form of life insurance - specifically covering non-standard applicants (known as impaired life insurance).
With no shareholders to pay, they’re able to offer a high standard of service, low premiums and consistent pay out rates.
The Exeter is regulated by the Financial Conduct Authority (FCA), the Prudential Regulation Authority (PRA) and benefits from the Financial Services Compensation Scheme (FSCS) so your money is further protected.
Across all services, The Exeter is rated well by customers on Trustpilot with a score of 4.2 ('Great').
Their ‘Real Life’ life insurance policy is rated 3 stars by independent review site Defaqto.
How does the Real Life policy work?
The Exeter life insurance is available through Reassured via our advised team. Compare quotes and save money using our life insurance comparison service.
The Exeter life insurance can be secured from £15 per month » .
However, the exact cost of life insurance will depend on your personal circumstances.
The Exeter will calculate your monthly life insurance premium using the following information:
If you’re applying for life insurance with a pre-existing medical condition, you’ll also likely be asked specific questions about your condition so that The Exeter can get a better understanding of your personal circumstances.
With a Real Life policy your premiums remain fixed throughout the policy term, this means the amount you pay stays the same (unless you make changes to your policy, such as increasing your sum assured).
Compare The Exeter life insurance through our whole of market advised service to be presented with the best available deals.
When taking out life insurance through The Exeter, you’ll benefit from the following additional benefits:
Claims can be made through The Exeter in the following ways:
The Exeter will need certain information in order to get the claims process started:
A death certificate (or proof of diagnosis for terminal illness cover) will also be required in order for the claim to be assessed.
You’ll need to contact The Exeter directly to cancel your policy.
If you cancel within the first 30 days of your policy, you can receive a refund of any premiums you’ve paid.
If you cancel after 30 days, the premiums you’ve paid won’t be refunded.
As well as life insurance, The Exeter also sell additional forms of cover.
The other policies they sell include:
The Exeter offer the ‘Income First’ policy, allowing you to protect up to 60% of your usual earnings if you become to ill or injured to work.
Why not read our The Exeter income protection review for more information?
Health+ allows you to get fast access to the best treatment, including cancer cover, private ambulances, home nursing, unlimited in-patient treatment and more.
Health insurance isn’t currently something that’s available through Reassured.
Income protection is available through our advised team. Compare The Exeter quotes with all other UK insurers to find the best deal.
For enquires about your policy, you can contact The Exeter on 0300 123 3201.
Lines are open Monday to Friday from 08:00 - 18:00.
The Exeter life insurance is available through our advised team.
One of our friendly experts can take your personal circumstances into consideration and give recommendations on what’s best for you.
Through our advised team you can also compare quotes from the whole of the market, including leading UK life insurance companies.
Comparing a range of policies and providers is essential in allowing you to find a great deal for your personal circumstances.
Our award-winning and FCA-regulated broker service is fee free to use, so why not get started today and compare quotes?
Who is The Exeter underwritten by?
All products offered by The Exeter are underwritten by The Exeter themselves.
Do The Exeter offer joint life insurance?
Unfortunately, due to the nature of the product, The Exeter don’t offer their Real Life policy on a joint basis.
Joint life insurance covers two people under one policy, often allowing the policyholders to save money as they’re only paying one premium.
The policy is valid until the end of the term or when the first policyholder passes away.
Joint life insurance is available from other insurers through Reassured. Why not compare quotes to find your perfect policy?
Do The Exeter offer over 50 life insurance?
No, The Exeter don’t offer specific over 50 life insurance. However, their Real Life policy is available to applicants up to age 80.
If you’re interested in over 50 life insurance, Reassured can help you compare quotes from alternative insurers.
Can The Exeter life insurance be written in trust?
Yes, The Exeter offer all life insurance applicants the option to write their policy in trust.
This means placing someone you trust (a trustee) in charge of your policy after you pass away.
The trustee will manage the pay out and ensure the funds are distributed as per your wishes.
[1] https://www.the-exeter.com/news/the-exeter-releases-its-annual-claims-statistics/
[2] https://www.nuffieldtrust.org.uk/resource/care-and-support-for-long-term-conditions