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Privacy Policy

Cover Type

British Life Privacy Policy

BritishLife is committed to ensuring that your privacy is protected. This Policy explains what information we collect and why; how we use it; how you can instruct us if you prefer to limit the use of that information; and procedures that we have in place to safeguard your privacy.

Please read this Privacy Policy carefully, since as soon as you start using our website, you will be regarded as having read and accepted this Privacy Policy. You must not use our website if you do not accept this Privacy Policy.

You can ask for any details regarding our collection, storage or use of your personal information or if you need to raise a complaint, you can contact the Data Protection Officer using the information below.

Data Protection Officer
British Life Ltd
20-22 Wenlock Road,
London,
N1 7GUD

Email: admin@britishlife.com

How we collect information about you...

We collect your information when you interact with us through this website. This could be either using our enquiry form to ask us a question, or by requesting a quote for an insurance product using one of our forms.

What identifiable information we collect and why...

When using our enquiry form

  • Name
  • Telephone number
  • Email address

We need this to enable us to respond to your enquiry and will use your information solely for this purpose.

When requesting an insurance quote

  • Name
  • Birth date
  • Telephone number
  • Email address
  • IP address

This information is used along with the non-identifiable information (type of cover, cover amount, cover term and smoker status) to find the best quote for your circumstances.

We ask for a telephone number and email address so that one of our carefully selected partners can contact you to provide and discuss your quotation request. We have found that over 95% of people buying life insurance or critical illness cover for example, still need to speak to a qualified adviser to get the right policy for them.

Your IP address is stored to prevent duplicate submissions.

Information provided on another person...

For a joint application, you will need to provide some information about the second applicant on your policy. By doing so, you confirm that you have the consent of the second individual to provide us with this information and for their information to be used in this manner and that you have made them aware of this privacy policy.

Passing on information about you...

Please be aware that once you have provided us with information about you in order to obtain a quote, you will be regarded as having given your consent to us disclosing your personal information to a third party that we have carefully selected solely for the purposes of obtaining a quotation for you / comparing different products and services as requested by you.

In the first instance, the third party will be LifeSearch Ltd (privacy policy). However, if LifeSearch Ltd already have your details on record, your information will be sent to one of either Roxburgh Ltd (privacy policy) or BQI Group (privacy policy).

We will notify you by email if LifeSearch Ltd already have your information on record and keep you updated with the new provider’s name and information.

The telephone number you enter is sent securely to Data-8 (privacy policy) for validation as a genuine telephone number.

Any transfer of data for this purpose is carried out using end to end ssl encryption to protect your privacy.

Storing your information...

Your information is securely stored with Rackspace (the data processor) and is located in England. All access to this data is restricted to access from a single IP address to prevent unauthorised access.

Retaining your personal information

Identifiable data will be stored in our secure database for the reconciliation period of sixty (60) days before all identifiable data contained in your record will be destroyed.

Overseas transfer of data...

From time to time it may be necessary for us to undertake some of the processing of your personal data in other countries outside of the European Economic Area where data protection safeguards are not as high as they are in the UK. However, where this is necessary we will ensure that your data is kept securely and only processed in accordance with the Data Protection Act. It is also possible that some of our product and service providers will process your data in other countries, however we require all our partners to ensure that your data is kept securely at all times.

Security...

The internet is not a secure medium, however we have put in place various security procedures as set out in this policy. Firewalls are used to block unauthorised traffic to the servers and the actual servers are located in a secure location which can only be accessed by authorised personnel.

Cookies...

We may use cookies and/or pixel tags on some pages of our website. A cookie is a small file that is stored on your computer's hard drive by your web browser. They allow us to understand what areas of the website are of interest to our visitors, allow us to provide a better user experience, track unique visitors to our websites as well as seeing where our visitors have found our website.

These cookies do not track individual user information, and all our cookie data is encrypted and cannot be read by other websites. It is possible to 'turn off' the cookies in your browser and this will not affect the functionality of the web site. You can find out more information about cookies including how to switch cookies on or off i.e. accept or refuse cookies from www.aboutcookies.org.

The cookies and pixel tags information is then channelled through various 3rd party web applications. Examples of the software BritishLife.com uses are;

Google Analytics; to help us monitor website traffic and view page-by-page behaviour. It also allows us to understand which browser type, or operating system visitors are using as well as which referring sites traffic has come from.

Hotjar; software which anonymously records site browsing behaviour such as mouse clicks, heatmaps and session recordings - which enables us to spot trends in website usage and improve specific web page performance from the insights gained.

We may choose to follow up with ‘remarketing’ activity; banner and text adverts placed automatically on 3rd party websites and on social media. These are controlled through services such as Google AdWords, or Facebook Business Manager.

You have the right to disable cookies on your browser and install 3rd party plug-ins to prevent behavioural ad targeting. Links below are provided for your reference.

The internet industry body, the Internet Advertising Bureau, has created a website which provides detailed information and advice on cookies and pixel tags https://www.iab.com/guidelines.

For more on behavioural advertising visit - http://www.youronlinechoices.com/uk/.

Another source about how to delete and control cookies is http://www.aboutcookies.org/.

At any stage, you can always contact us at admin@britishlife.com for any more information or help.

Your Rights...

You have the right to request any identifiable information you have given us, to have it deleted or amended and to stop us progressing any further with the quotation process, however doing so may prevent us from being able to provide you with an accurate quote.

To make any of these requests, please contact the Data Protection Officer using the details in the introduction above.

This policy is effective as of August 2020

Since 2006 we have helped 311,383 people compare protection quotes.
We would love to do the same for you...

About Life Insurance

What is Life Insurance?

Life insurance pays out a lump-sum payment to your surviving family members if you die or are diagnosed with a terminal illness during the term of your contract. The money can be used to pay off debts like mortgages, loans and credit cards, and provide an income to reduce the financial burden created by the loss of a parent.

How much Life Insurance do I need?

There is no exact figure for how much Life Insurance someone requires as it is a balance between what they can afford and what level of cover gives them peace of mind.

For most people, it is their mortgage which is their biggest financial commitment, and the value of the outstanding mortgage is the best place to start in terms of a figure for the sum insured. Then you might want to add on the value of any loans, car finance or credit cards.

If the budget allows, it is then worth considering a sum for additional household income spread over how many years any children will require financial support.

As a broad rule of thumb, £10 per month will provide for £100,000 worth of life cover, which is slightly less than the average amount quoted for in the UK.

What affects the cost of Life Insurance?

There are several factors that influence the cost of life insurance including:

  • the sum insured amount ie how much the policy will pay-out
  • existing health conditions
  • lifestyle issues like smoking and weight/BMI
  • age of the policyholder(s)
  • occupation especially if it requires manual work
  • level, increasing or decreasing term ie does the sum insured amount stay the same, increase with inflation, or decrease in line with the outstanding value of a mortgage
  • length of the policy (typically 25 years)

Clearly some of these factors can be varied to change the cost of life insurance, and some are fixed.

What type of Life Insurance do you need?

There are a few variations in types of life cover which you may want to consider:

  • Decreasing Term Life Insurance
    This is mainly used for repayment mortgages where the value of the outstanding mortgage decreases over time
  • Level Term Life Insurance
    This policy ensures that the value of the sum insured remains at a constant over the length of the policy, but it does not protect against the effects of inflation.
  • Joint Life Insurance
    This policy covers two people but only pays out once, mainly when the first person dies, or in some rare instances, when both policyholders have died.
  • Over 50s Life Insurance
    This type of policy offers guaranteed acceptance with no medical required, which is great if you already have an existing illness and can’t find cover elsewhere, but it is often restricted to a pay-out of just £25,000.
  • Critical Illness Cover
    This pays out if you are diagnosed with a serious illness like cancer or stroke during the duration of the policy. As the risks of a claim are greater than life insurance, so the cost is higher, but it provides more comprehensive protection for greater peace of mind

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Top Tip for Life Insurance

Because protection policies typically only allow for one claim, it is good practice to take out a separate life policy for each person, and that also applies if you decide to add a critical illness element. So two people for Life Insurance and Critical Illness Cover represents four separate policies.

It may end up a little bit more expensive, but it provides much better protection. There are plenty of instances where people have taken out a critical illness policy, made a claim, and then get refused when they applied for a life policy because the new pre-existing condition is deemed too high risk.

The quotation service is provided by an FCA-authorised insurance specialist

About Us

BritishLife is an independent business looking to do big things - like get more British families protected financially should the worst things happen.

We offer our customers access to some of the very best quotes, guidance and advice on protection insurance through a number of carefully selected partnerships with some of the best specialist firms in the UK.

They provide competitive rates from a wide range of insurers but critically they understand the importance of value over simply price - getting the right advice can save you a lot of money.

Since 2006 we have helped over 300,000 families compare protection quotes, and we would love to do the same for you.

Best wishes
The BritishLife Team