At a1 life we specialise in life insurance and critical illness cover; if the unthinkable were to happen, it would provide financial protection for you your family or business partner; operating via the internet and telephone, we offer a personal service, our phones are manned (by humans) during office hours and callers will always be able to speak to an adviser. We guarantee to work with you to explain application procedures so that you have a sound understanding about life insurance cover and how it will benefit you.

Client requirements and situations are carefully considered by us, because we know that as individuals a ‘one fit all’ standard doesn’t always ‘fit’; should there be an issue with your health, before we proceed further with your application, we will discuss the issue with insurance underwriters, to safeguard the very best terms for you; if your application is referred to underwriting, we will monitor your case on a daily basis, liaising on your behalf, with your General Practitioner and insurance provider.

If we have arranged life protection for you in the past and you decide to move house, want to change the type of cover you have, or your financial circumstances change; please contact us by e-mail or telephone and we will discuss your new requirements and obtain an alternative life cover quotation for you.

House, health, motor and travel insurances are renewed annually; a life insurance policy is for a fixed term i.e. 5-50 years (dependent on age) and the premium quoted is guaranteed never to increase for the term of the policy. 

A life insurance policy is a legal contract between policy holder and the insurer; the benefit will be paid to a designated beneficiary or beneficiaries if an insured event occurs which is covered by the policy. An insurer will not pay out if a policy holder does not keep up premium payments, or they have withheld medical or personal information at the time of application.