FAQs (Page 2)

You can secure cover in as little as 20 minutes through the Cavendish Online website.

If the insurer doesn't need any further information once you've submitted your application (for example, a report from your GP), you may be able to start the policy immediately. 

However, if the insurer requests further information in order to underwrite your application it may take longer. Having medical disclosures, a dangerous occupation or hobbies may cause the insurer to need additional information. 

If you require advice please call 03456 442 540 and our friendly and professional team will be happy to help.

Not at all.

We take pride in supporting you and providing bespoke advice with your best interests at heart.

We are confident that our level of quality, value and transparency won’t be beaten, but there is no obligation if you decide not to proceed.

Cavendish Online have a dedicated team of professional and knowledgeable advisers who can provide recommendations and tailored opinions on products such as:

• Life Cover
   
• Critical Illness Cover
   
• Income Protection
   
• Family Income Benefit
   
• Business Protection and more...

Click here to go to our other protection products page for a full overview of what we advise on.

Alternatively, call the team now to find out more on: 

01392 436 193
(Monday - Friday, 9am to 5.30pm)

To apply for certain products through Cavendish Online, we will need money laundering identification.

We will need to see original or certified* documents to prove your identity and your address. If you are applying for a joint product, we will need to see identification for each of you.

A passport or UK driving licence would be suitable as proof of identity.

For address verification, we suggest a recent bank statement or utility bill (dated within the last 3 months, mobile phone bills are not accepted) these documents must have been posted to your home address, we can’t accept any documents that have been printed from the internet. If you don’t have a bank statement or utility bill, then we can accept your passport to verify your identity and your UK driving licence to verify your address.

*A certified copy is where a person of authority (solicitor, teacher, director, post office clerk etc) endorses a copy of the original document stating that it is a true copy of the original document. They will need to sign and date the document including their name and position. The person certifying the document must not be related to you, be in a relationship with you or living at the same address.

Our model is quite different to other discount brokers as with our online quotes we sacrifice all commission normally paid to a broker by the Insurer. In lieu of commission we charge a one-off fee of £25 to our customers.

The result, on average, is that we are able to provide quotes that are around 30% cheaper compared to a commission model. The monthly savings quickly add up to a lot more than the initial one-off £25 fee and this is the reason our service gets recommended.

We were the first broker to operate in this way and have successfully been helping our customers save money in this way for many years.

If you have a rough idea of what cover you’re looking for and are generally in good health or have minor health issues, this process is quick and easy and your consultant can provide various options to ensure you have the right cover in place.

The Guidance team will also assist in placing the policy in trust should you choose to do so, and can answer any questions you have about the policies.

Call the Guidance team now on:

01392 241 850

(Monday to Friday, 10am to 6.30pm)

If a claim is in progress, it will be protected under the Financial Services Compensation Scheme (FSCS) and the claim will be paid. If a claim is not in progress, you may be required to purchase a new policy with an alternative insurer. However, it is likely that another insurer would take over and all policies would transfer to them.

Learn more about the FSCS scheme.

A lot can change over the course of a life insurance policy term.

Usually, life insurance cover can remain in place and won’t be affected if you move abroad. However, this can differ between insurers. It would be a good idea to read the Key Facts Document of your chosen insurer and/or give them a call directly for further information.

How might my cover be affected if I move abroad?

Some providers only allow cover for permanent UK residents. This means if you pass away whilst living abroad, your family could be denied a pay-out. 

Even if your provider covers you overseas, there are still factors to consider.

For example, moving to a country that’s considered dangerous could have negative effects on your cover. You may even need to be in a country specifically listed by your insurer to make a claim on certain policies. Also, other countries have inheritance rules that could impact the pay-out of your policy.

As always, if you have any questions regarding your policy, you should speak with your insurer directly and they will be able to provide support and further information.

Though it’s never nice to think about, the reality is that your family may at some point need to make a claim on your policy. Claims are handled directly with the insurer so they will need to get in touch with your policy provider directly.

The good thing is that there is no time limit on making a life insurance claim. This allows your family to focus on higher priorities like funeral arrangements.

Once you have died, your beneficiaries will need to contact your provider with some of the following information:

• Name of the policyholder (you)
   

• Policy number
   

• Cause of your death (this will be on your death certificate, supplied by a funeral director or the General Register Office)
   

• Their identity and relationship with the you

Providing your insurer has no disputes, the claim should be settled within a month. In some cases, the payout can be delayed if the cause of death is unknown or investigated by the Police.

We also have a lot of useful information around how the process will work. Please click here to find out more.

Being a houseperson or stay at home parent is arguably one of the hardest jobs out there, and you do it for free!

Many families only think of protecting the earner when they think about insurance, but there is also a financial vulnerability if the houseperson becomes ill or dies. There may be a need for the earner to step back from work, or to reduce hours, meaning less income into the household, or there may be a need to hire childcare or cleaning services so the earner can continue work. In short, what would your family need to help them continue the same standard of living if you were to pass away?

If you are unsure about the level of cover you and your family need and want to find out what options are available to you, consider calling our team of friendly and professional advisers on: 

01392 436 193
(Monday - Friday, 9am to 5.30pm)