At Cavendish Online, we understand that the world of life insurance can be confusing and daunting for many people. 

One of the biggest challenges people face is understanding the fees and charges associated with life insurance policies. That’s why we’re committed to providing our clients with highly competitive and transparent pricing, so you know exactly what you're paying for when you use our services.

Honest and open guidance

Pricing can often be a deal-breaker when it comes to selecting a life insurance provider. Therefore, we ensure clear, concise information about all our fees and charges upfront.

For us, transparency is key to building a long-term relationship with our clients. That’s why we always strive to be upfront and honest about our pricing. This includes a range of different life insurance policies, including term life insurance, whole life insurance, and critical illness cover.

Whatever type of cover you choose, you can rest assured that our fees and charges are always transparent. If you ever have any questions regarding the cost of our services, our support team is always on hand to help.

Why is transparency important in insurance?

Such as with any important purchase, you want to know you're paying for a service you trust. 

Having clear and upfront pricing helps us make sure that our customers know what they’re paying for, making informed decisions for choosing a policy. In addition, it provides them with peace of mind that they’re not being taken advantage of or charged hidden fees.

Simple, expert advice

If you need help getting a life insurance quote over the phone or have a complicated medical history, dangerous job, hobbies, or just need advice on your options, our guidance and advice services can help you out. These services have no upfront fees, allowing you to speak with our experts and receive quotations without any obligation to proceed.

All our advisors have a wealth of experience in the life insurance sector, so you can be confident that you’ll receive excellent customer service, no matter your needs. Plus, they may condense any jargon into a simple explanation, helping you understand your policy.

While our guidance and advice routes run on a commission-based basis, they are much more involved in the process of securing your cover and ensuring that you get a policy tailored to your needs, set up correctly. The commission that Cavendish Online receives effectively pays the adviser or consultant for the work we do in supporting you.


For online quotes

Unlike other life insurance services, we don't work on commission. Instead, we charge a one time fee of £25. This allows us to help you find the lowest prices for quality cover that meets your needs.

If you prefer, you can choose our No Fee option. With this option, we will take a small percentage of commission instead of charging a fee. This makes it ideal for short term or low premium policies, or if you anticipate changing your insurance in the near future.

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For guidance

Getting a quote via our guidance service is completely free of charge. If you choose to purchase a policy through our recommendations, we receive commission from the insurer. However, we strive to negotiate a lower percentage of commission in order to provide our customers with lower premiums.

To speak to a consultant please call: 01329 248735

For advice

There's no fee involved for receiving advice when buying life cover. However, if you do decide to take out a policy through this route, the company would receive commission from the Insurer. We request a lower percentage of commission resulting in lower premiums for their customers.

To speak to an adviser, please call 01392 436193

With Cavendish Online, you can have peace of mind knowing that you’re getting amazing value for your money. So why wait? Get in touch today to find out more about our life insurance services and discover how we can help you protect your family’s financial future.