Cavendish Online is committed to providing customers with the cheapest route to buy life assurance.
To allow you to choose the lowest possible premium you will be given two methods of applying when you carry out a quote:
Fee Based – We request 100% of the commission to be reinvested in your policy to provide the lowest possible premium. This is your cheapest route to buy life assurance.
Commission Based (No fee) – We DO NOT charge a fee but retain a fraction of the commission. In some cases will be the cheapest route to buy life assurance and you do not have to pay us any fees.
Joint Applications – As well as a joint quotation, we will also provide you with a quotation for two single life policies based on the same criteria, which will allow you to compare both options. A joint policy will only pay out one sum assured, as opposed to two single life policies which will insure each life separately with their own policy. The difference in cost is often marginal.
If you are unsure of what type of cover you need you may want to speak to an adviser