Who called me on 01202 901977?

We’re Protect Line - the UK’s #1 life insurance broker and we’ve been trying to get in touch to help you with your life insurance.

You probably have some questions

Check out some of our Frequently Asked Questions below

Why do I need life insurance?

If you’ve ever lost someone close to you, you know how it feels. But when a family loses the breadwinner and everything they used to pay for, this can be even more painful on top of an already awful situation.

Life insurance is a way to make sure your family is financially protected should you pass away during the policy term, meaning that they can focus on the important things instead of worrying whether they can afford the mortgage, rent or bills.

You can also use life insurance as a way to leave money to loved ones – perhaps you want your kids to go to university or leave them an inheritance – life insurance can do that.

How much does life insurance cost?

Your life insurance could cost the same each month as a couple of take-away coffees. Usually a policy will have guaranteed fixed premiums throughout the policy term – our friendly team will fill you in on all the details during your chat.

It’s free to use our service to get your life insurance – if you decide to take out a policy with one of our providers, we’ll be paid a commission – there is no fee to you.

If you’ve already got cover or seen quotes elsewhere, let us know! We will always try to find you a competitive quote at a price to suit your needs.

Can I trust you and your insurance providers?

Definitely. Protect Line Ltd is authorised and regulated by the Financial Conduct Authority. Protect Line Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 942467.

The insurers we use are all well-known names. In no particular order, these are: Legal & General, Vitality, Aviva, AIG, HSBC, LV, One Family, Scottish Widows, National Friendly, Holloway Friendly and Zurich. All policies are covered by FSCS protection, so your money is safe even if something was to happen to your insurer.

As well as being one of the largest life insurance brokerages in the UK, we’re also highly-rated on independent customer review website, Trustpilot, with tens of thousands of five-star reviews!

I'm worried life insurance doesn't pay out...

Its a common misconception that life insurance is some sort of scam or you won’t ever see the benefit of it. Whilst the latter is true – because you’ll no longer be here – you can have peace of mind now that your family and loved ones will not be left in financial trouble when you’re gone.

In 2019, over £5.7 billion was paid out on British protection policies with 98.3% of claims paid. That’s the equivalent of £15.8 million paid every day. (ABI.org.uk, May 2020).

The main reason a policy wouldn’t pay out is if you’ve not been 100% open and honest during the application. No judgements at all, we just want to make sure you and your family have peace of mind.

If your service is free, how do you make money?

When you choose to take out a life insurance policy with one of our providers, they pay us a commission. Our service is always fee-free.

I don't want to speak to someone - why can't I do this online?

Unlike car and home insurance, life insurance can sometimes get a little complicated when factoring in your health and lifestyle – that’s why it’s always better to speak to a real person than take your chances with a form online.

When you also consider that we’re dealing in massive sums of money, you want to make sure that everything is 100% correct and that, ultimately, your family are protected properly. That’s why all of our calls are recorded for training and monitoring purposes and to also help if a dispute arises in the future.

We also believe that speaking with a genuine person ensures that we fully understand your needs and requirements and what you want your policy to do for you and your family. This makes sure you have the right cover in place so you have peace of mind knowing everything is done and dusted.

Others claim to be the best... but we actually are

Our customers rate us highly on these well-known review websites

4.5 star Google rating
5 star Trustpilot rating
5 star Smart Money People rating