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Why are the insurance prices on the Internet so low?
The Internet is undoubtedly the cheapest marketplace to buy insurance. There are two main reasons: -
Will your premiums increase?
It depends upon whether you have a “Reviewable” or “Guaranteed” policy.
Could you end up paying more for insurance than someone else the same age?
Yes you might, because your age is only one of many aspects the insurance company takes into account when determining your premium.
If my premium is “Rated”, what does that mean?
If your premium is “Rated” it means that the insurance company will only agree to insure you if you pay a higher premium than the one they originally quoted. This happens because, following receipt of your Application and any follow-up information they required, the insurance company believes you to represent an above average risk. (In extreme situations they will simply decline to insure you.)
What correspondence can you expect to receive after your Application has been submitted?
It all depends upon what complications arise from the details on your Application.

Complaining about Misleading Advertising

If you believe that a web site is misleading you should write to the Advertising Standards Authority. Their web site provides full details of how tmake a formal complaint and you’ll find it at: -

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

www.asa.org.uk

If the website sells financial services you can make a formal complaint to the website operator. You'll find details of how to make a complaint within their terms of business which will be published on the website.

Frequently Asked Questions related to the above topic.
Click below if you wish tread them: -