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:

Broker PremiumProviderTotal payable
Cavendish Online (Fee based) £7.51 Legal & General £1,802
Cavendish Online (Comm Based) £7.95 Legal & General £1,908
Cavendish Online (with Advice) £9.08 Legal & General £2,179
Other non-advised routes:      
MoneySupermarket.com £9.13 LV= £2,191
Confused.com £9.28 LV= £2,227
CompareTheMarket.com £9.13 LV= £2,191
GoCompare.com £8.90 LV= £2,136
Sainsbury's £9.94 Legal & General £2,386
Direct Line £11.64 Legal & General £2,793

 

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

BrokerPremiumProviderTotal payable
Cavendish Online (Fee based) £15.62 Legal & General
£4,686
Cavendish Online (Comm Based) £16.54 Legal & General £4,962
Cavendish Online (with Advice) £18.08 Scottish Widows £5,2424
Other non-advised routes:      
MoneySupermarket.com £18.94 LV= £5,682
Confused.com £19.36 LV= £5,808
CompareTheMarket.com £18.94 LV= £5,682
GoCompare.com £18.47 LV= £5,541
Sainsbury's £20.68 Legal & General £6,204
Direct Line £23.81 Legal & General £7,143

 

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

BrokerPremiumProviderTotal payable
Cavendish Online (Fee based) £49.45 Legal & General £11,868
Cavendish Online (Comm Based) £53.01 Legal & General £12,722
Cavendish Online (with Advice) £59.29 Legal & General £14,230
Other non-advised routes:      
Confused.com £65.44 Beagle Street £15,706
CompareTheMarket.com £65.97 Zurich £15,833
GoCompare.com £65.83 Zurich £15,799
MoneySupermarket.com N/A N/A N/A
Sainsburys £68.80 Legal & General £16,512
Direct Line £73.64 Legal & General £17,674

 

Comparisons updated on 14th March 2017

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