How do recent non-smokers find the right insurer?
First go onto Internet because that’s the best way to find cheap insurance. Then search for a life insurance broker that fulfils three criteria: The broker must search the whole insurance market for the lowest price – this means that they will find the cheapest insurance company for you. The broker must be prepared to discount the prices – they achieve this by rebating some of their commission back into your policy. That ensures you get a really cheap quote. They’ll phone you with the quote and provide further help – this is essential as the chances are that the price they will initially phone you with, will be from an insurer using the a five-year smoking definition. You have to tell them that you need the cheapest quote from a company using the twelve-month smoking definition . That means they’ll have to call you back after doing some digging. If you use a web site that provides an immediate on-screen quote, you won’t know whether the quote provided comes from an insurance company th
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- How do recent non-smokers find the right insurer?
