What is a life insurance broker?

A life insurance broker provides you with quotes from a range of the best life insurance companies for you to compare.

You can use the expertise of a broker to help you find the most affordable, suitable and valid family life insurance.

Reassured is FCA-regulated, and we don't charge a fee for our award-winning service - get in touch today.

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What does a life insurance broker do?

Not only do we compare quotes to find you the best available deal, but we'll also guide you through the entire process.

A broker assists in every step of the application and can answer any questions you may have.

Below, we’ve listed 9 'excellent' reasons why we believe using a life insurance broker can help you find the perfect life insurance policy.

Save money on life insurance


We all like to get what we pay for, or better still, get a really good deal.

But, is insurance cheaper through a broker?

Life insurance brokers search a range of policies, helping secure the most suitable cover, at the best price, saving you money.

At Reassured, we don't charge a fee for our award-winning service and there's no obligation to take out a policy after enquiring.

You may wonder if we don't charge a fee, how do life insurance brokers get paid?

Life insurance providers will pay a commission to the broker on the sales they make.

This is why insurers would rather that you went directly to them and they may encourage this by offering life insurance with free gifts.

However, you could miss out on the very best deals by going direct.

Always compare quotes as the cost of life insurance premiums can vary significantly for the same level of cover.

Ease of application


It’s not just banks and building society’s that sell life insurance these days with many retailers now offering policies too.

This can be quite daunting when you research the market and are presented with hundreds of options.

Going directly to your bank, mortgage provider or supermarket won't guarantee cheaper premiums either, (as their offering can be limited).

A life insurance broker is able to compare different policy types from a wide range of insurers.

This enables us to refine your search, allowing you to focus on the policies that best meet the needs of you and your loved ones'.

Life insurance jargon explained


Do you know the difference between level term vs decreasing term insurance? What about life assurance vs life insurance?

Understanding exactly what your options are is vital, not only for peace of mind but to make sure your policy is valid (and therefore pays out!)

Using a broker means you can speak to a real person who can demystify the life insurance jargon.

Helping make everything a little clearer than perhaps with an online comparison site.

At Reassured we're classed as a non-advised brokerage.

This means we don't provide life insurance advice or advise on which specific policy you should secure, (placing you in complete control of your decision).

What we'll do is use the personal information you provide, to identify a number of suitable policy options, allowing you to make an informed decision.

You can also take advantage of our experienced team to help explain any insurance terminology you don't understand.

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Provide policy information


A good broker can provide you with a clear understanding of how different life insurance policies work.

From explaining the process of taking out a policy to paying premiums and how to make a claim, we have the knowledge required to support you.

Unless you work in the industry, it’s unlikely you’ll be familiar with all the ins and outs of life insurance, so this support can be really helpful.

We offer a dedicated, free customer service team who can help you with such tasks as writing your life insurance in trust (for the majority of applications).

Did you know that by writing your policy in trust, you can avoid/minimise 40% inheritance tax? You can also avoid probate for a faster life insurance payout?

Save time on life insurance application


Whether you're a stay-at-home parent, work full-time or are retired, your time is precious.

When did you last have share time to sit down and fill out a lengthy application form?

(That's if you don’t make a mistake and have to start again!) - Can’t remember? Me neither…

We can complete the life insurance application for you over the phone, leaving you more time to do the things you enjoy.

Peace of mind


When taking out life insurance to protect your loved ones and the home you'll want complete peace of mind that you've set up your policy properly.

A good life insurance broker will ensure all your key questions are answered and that you feel 100% confident in your policy.

From experience, we're aware of the common pitfalls and will ask the appropriate questions to ensure we're quoting you for the right product and that your cover is suitable and valid.

This provides peace of mind that your family is fully protected if you're no longer around to take care of them financially.

Hassle free life insurance claims


If your loved ones need to make a life insurance claim a broker can help, dealing with your insurer directly, making the process as easy as possible.

At a time when your loved ones are suffering emotionally, having the support of a broker like Reassured to help you through the claims process is one less thing to worry about.

FCA-regulated life insurance broker


Being a financial company, insurance brokerages are required to be regulated by the Financial Conduct Authority (FCA).

This means that our service abides by the regulatory standards put in place to protect customers.

Reassured are authorised and regulated by the FCA (616144).

Life insurance brokers work for you


Remember, a life insurance broker works for you, the customer, not the insurer.

You may be wondering how much insurance brokers make? Well, it depends on the policy and the insurer.

At Reassured, we make money by earning a commission directly from the insurer.

The important bit for our customers is that we never charge a fee for our service. (Although, some brokers do charge).

We believe a good life insurance broker should represent your best interests and be focused on your unique needs.

Bear this in mind whilst speaking with your broker; they're providing a service for you.

Is it better to use an insurance broker?

Whether it's better to use a life insurance broker, will depend on your personal circumstances.

But, buying life insurance is very different from other types of insurance, such as car, pet or home...

It's much more personal.

And so, using an online automated comparison site, just might not cut it.

Even more so if you're unsure of how much life insurance you need or the type of cover you need.

This is where the expertise of a life insurance broker, such as Reassured, is really valuable.

Why choose Reassured as your life insurance broker?

  • Our quote service is free of charge and without obligation
  • The UK's largest life insurance broker*
  • Award-winning and FCA-regulated service
  • 50,000+ customers on Trustpilot rate us ‘Excellent‘
  • We have protected over 1,000,000 UK families
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Very easy to understand and very quick

Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!

Mrs M Rushworth

Very professional and reassuring

Very professional and reassuring. Life insurance sorted in about 10 minutes.

Stephen Davies

very courteous and friendly

very courteous and friendly. Polite professional and empathic.

Stedroy Fenton

Another happy customer

Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.

Piotr Stepien

Really attentive during the call

Really attentive during the call, good clear guidance throughout. Well done.

Michael Reynolds

Amazing service

Amazing service quick fast and easy and Joey was a star on the phone really help me thanks.

Sera Woolley

I made the right choice and now I feel…

I made the right choice and now I feel relieved that I did.

glyn

Really genuine kind and compassionate…

Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!

Katelia Merritt

I must say Jake took me through every…

I must say Jake took me through every step and was brilliant, recommend them anytime.

Allan Green

Very happy and everything explained…

Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.

Jenny Berry