Life Assurance Comparisons


To show you the vast differences in the premium you will be offered for exactly the same product, we have compared typical policies taken out by going direct to the provider, using a comparison website, going through our advised route and by using Cavendish Online. Please see the comparisons below:

 

Level Term Assurance of £180,000 over 20 years for a male non-smoker, age 35 next birthday:

Broker PremiumProviderTotal payable
Cavendish Online (Fee based) £7.22 Legal & General £1,733
Cavendish Online (Comm Based) £7.64 Legal & General £1,834
Cavendish Online (with Advice)  £8.70 Legal & General £2,088
Other non-advised routes:      
MoneySupermarket.com £8.95 Legal & General £2,148
Confused.com £9.75 Aviva £2,340
CompareTheMarket.com £9.07 Legal & General £2,177
GoCompare.com £9.07 Legal & General £2,177
Sainsbury's £9.55 Legal & General £2,292
Tesco £13.62 Aviva £3,269
Direct Line £11.55 Legal & General £2,772

 

Level Term Assurance of £200,000 over 25 years for a non-smoking couple, age 35 next:

BrokerPremiumProviderTotal payable
Cavendish Online (Fee based) £14.64 Legal & General
£4,392
Cavendish Online (Comm Based) £15.48 Legal & General £4,644
Cavendish Online (with Advice) £17.62  Legal & General £5,286
Other non-advised routes:      
MoneySupermarket.com £18.07 Legal & General £5,421
Confused.com £18.89 Legal & General £5,667
CompareTheMarket.com £18.38 Legal & General £5,514
GoCompare.com £18.38 Legal & General £5,514
Sainsbury's £19.34 Legal & General £5,802
Direct Line £27.10 Aviva £8,130
Tesco £23.22 Legal & General £6,966

 

Level Term Assurance including Critical Illness Cover of £250,000 over 20 years for a female non-smoker, age 35 next:

BrokerPremiumProviderTotal payable
Cavendish Online (Fee based) £40.58 Beagle Street £9,739
Cavendish Online (Comm Based) £42.05 Beagle Street £10,092
Cavendish Online (with Advice) £54.21 Legal & General £13,010
Other non-advised routes:      
Confused.com £54.11 Beagle Street £12,986
CompareTheMarket.com £59.58 Beagle Street £14,299
GoCompare.com £50.45 Beagle Street £12,108
MoneySupermarket.com £52.74 Beagle Street £12,658
Sainsburys £73.84 Legal & General £17,772

 

Comparisons updated on 20th November 2015

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