The Idol will find you the lowest life insurance premiums and give an instant quotation backed up with your quote being sent by e-mail. The Idol has appeared in the Sunday Times on four occasions in articles about life insurance and been given the highest 4 star rating on every occasion. The Idol offer the below products:

The Idol - Life Term Assurance

You decide on the amount of Life Insurance Cover and a term of years from the outset. The life cover remains constant throughout the term. The plan has no investment content. If you die during the specified term then the amount of Life Insurance Cover is paid out. Your Life Insurance policy can be set up as a single life plan, insuring one life for a predetermined amount of Life Cover and term of years, or as a joint life first death plan where the Life Cover is payable on the first death. Critical Illness benefit can be added to most plans where the benefit is paid on either death or a critical illness whichever should occur first.

The Idol - Mortgage Life Protection

You decide on an amount of Mortgage Life Insurance Cover and a term of years from the outset. The Mortgage Life Protection plan has no investment content. The amount of Mortgage Life Insurance Cover reduces each month during the term. The Mortgage Life Protection plan is designed to pay an amount of Life Insurance Cover that will be equal to the outstanding capital amount under a standard repayment mortgage. If you die during the specified term then the amount of Mortgage Life Insurance Cover is paid out. Mortgage Life Protection can be set up as a single life plan, insuring one life for a predetermined amount of Life Cover and term or as a Joint life first death plan where the amount of Life Cover is payable on the first death. Critical Illness benefit can be added to most Mortgage Life Protection plans where the benefit is paid on either death or a critical illness whichever should occur first.

The Idol - Critical Illness Insurance

You decide on an amount of Critical Illness Insurance and a term of years from the outset. The Critical Illness Insurance plan has no investment content. Critical Illness Insurance is available on a single or joint life basis and the benefit is payable as a fixed amount, agreed at outset. If a Critical Illness is diagnosed during the specified term then the benefit will be paid out. If you have not suffered a specified Critical Illness at the end of the term then the plan ceases and nothing is paid out.

The Idol - Long Term Income Protection

The Idol have a direct offer available on discounted terms for Norwich Union's Safeguard and the Friends Provident Long Term Income Protection Plan. Long Term Income Protection is designed to pay you a regular income if an illness or injury prevents you from working. The income can be paid for as long as you need it, right up until your 65th birthday if necessary. The Long Term Income Protection product has no investment content and has no cash in value at any time.

This is a direct offer where no advice is given or implied. The Idol are not making any recommendation as to the appropriateness of an Income protection plan to your financial requirements. If you have any doubts regarding the suitability The Idol recommend you seek expert advice.

Norwich Union is the UK's largest insurance group, part of Aviva plc which is a top-five European life insurer and the world's seventh-largest insurer, and have the backing of over £200 billion of funds under management together with 25 million customers worldwide.

Friends Provident is one of the leading financial services groups in the UK and a member of the FTSE100 Index of leading UK companies. Both of Friends Provident's core businesses are in the top 10 of their respective sectors in the UK and both are also included in the FTSE4Good Index, acknowledging their reputation as a socially responsible organisation.