If you're lucky, you'll get a life insurance quotation that you are happy with, progress to application, and get yourself insured within 48 hours at the original price quoted. Unfortunately this isn't the case for 66% of applicants - who face delays and loaded premiums.
So why is this happening? Well, life insurance companies provide quotes based on the ?perfect person' ? which basically means you must be 45 or under and in excellent health, have no hereditary illness in the family, work in an office and want no more than ?250,000 cover. If you fall outside these strict boundaries, you can expect delays, and expense.
When you request an initial quote, you only have to provide a few details, namely your age, sex and whether you smoke. The insurer calculates ho View the rest of this article
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