Life & Illness Cover - Premium Discounts, Voucher up to £150, FREE Will & Win Prizes

Highlights

• Compare Life Insurance, Critical Illness Cover, Income Protection & More!
• Get same-day free quotes, no obligation, and absolutely no fees!
• Rated as “excellent” by hundreds of key workers on Trustpilot
• Premium discounts, up to £150 voucher, Free Will Kit and chance to win prizes!

• Retailer Information

  Here at Blue Light Insurance, we specialise in helping key workers get amazing deals and rewards when it comes to arranging their insurance.
  The products we specialise in are Life Insurance, Critical Illness Cover, Income Protection Insurance, Mortgage Protection and Private Medical Insurance. We work within the whole of market for insurance and protection. To put it simply, this means we can compare a huge number of insurers to find you the right insurance policy.
  We’ve been consistently rated as “excellent” by our customers and have amassed hundreds of 5-star reviews on Trustpilot for our work. We don’t charge any fees for our services, and all quotes are 100% no obligation.
  We’ve already helped thousands of key workers save money on their insurance - so don’t delay! Get in touch with our team today and see how much we can save you!

• Terms and Conditions

  This service is not regulated and is not performed as part of our introducer appointed representative agreement
  
  Lifetime Premium discounts;
  We apply a 10% “commission sacrifice” to all Life Insurance, Critical Illness Cover and Income Protection quotes, thereby reducing the standard commission levels we receive from the insurers, which leads to a reduction in your monthly premium. The discount will apply for the lifetime of your policy. Please note a 10% commission sacrifice will not result in a 10% reduction in insurance premium as the commission we receive only makes up a proportion of your monthly premium. The actual reduction in premium will depend on several factors including, but not limited to, the size of premium, and the commission levels offered to us by the chosen insurer. Offer does not apply to "Private Medical Insurance", "Accident, Sickness & Unemployment Cover" or "Guaranteed Acceptance Life Insurance" plans.
  
  How our Voucher Rewards work:
  When you take out cover through Blue Light Insurance Solutions you are eligible for our voucher reward offer. The amount of your voucher is calculated by the size of your first monthly insurance policy premium, rounded up to the nearest £5. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £50.00. The voucher reward is payable only when your policy goes active and is issued 3 calendar months after your policy start date by email, using the same email address you used when you applied for cover with us. Maximum voucher reward per postcode is £150.00. If you allow your policy to lapse, or if the policy is in arrears prior to the intended voucher issuance date, then the voucher will be withheld until the policy is live and all payments are brought up to date. If for any other reason the insurer removes your policy from active status or your policy is in review, or further information is being assessed by underwriters before the intended voucher issuance date, the voucher will be withheld until the policy is “live” and premiums are paid and up to date again. Offer does not apply to "Private Medical Insurance", "Accident, Sickness & Unemployment Cover" or "Guaranteed Acceptance Life Insurance" plans.
  
  How our Free Will Kits work:
  In the event you purchase a policy through Blue Light Insurance Solutions you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority.
  
  How Children's Cover works:
  If you choose a policy which includes Critical Illness Insurance then many of our insurers will include basic childrens critical illness cover as standard. Please be aware that if you choose enhanced or upgraded children's cover there will usually be an additional charge for this. Please also be aware that we may recommend an insurer for you who does charge for children's cover, but this will only be where that recommendation is most suitable for you due to other factors including overall quality of cover, most favourable underwriting stance, or offering the best overall price. Please speak to your adviser and refer to the policy terms and conditions for more information. Please note for Life Insurance only, Income Protection and Private Medical Insurance policies children's cover is not included as standard.
  
  How our Monthly Giveaways work:
  Competitions are open to residents of the United Kingdom aged 18 years or over except employees of Blue Light Insurance Solutions, Network Digital Marketing Ltd and their close relatives, and anyone otherwise connected with the organisation or judging of the competition. There is no entry fee to enter this competition, but to be eligible you must have purchased an insurance policy through Blue Light Insurance Solutions, via the offer posted on "healthservicediscounts.com" in the 6 months prior to the date of the competition. You will therefore be entered into 6 competitions once your cover has been activated. Route to entry for the competition is only via the offer posted on healthservicediscounts.com, discountsforteachers.com, discountsforcarers.com, and charityworkerdiscounts.com. Only one entry will be accepted per postcode. Multiple entries from the same person will be disqualified. You will be entered into the competitions automatically. Competitions are run once per month on the first Tuesday of each month (or as close as possible to this date). When a competition is run all qualified entrants will be collated, and a winner selected at random using a random number generator. Competition results can be provided on request but will not include personal information about the entrants or anything that contravenes GDPR rules. No responsibility can be accepted for entries not received for whatever reason. Prizes are not transferable. Prizes are subject to availability, and we reserve the right to substitute any prize with another of similar value without giving notice. The promoter reserves the right to cancel or amend the competition and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the competition will be notified to entrants as soon as possible by the promoter. The promoter is not responsible for inaccurate prize details supplied to any entrant by any third party connected with this competition. Winners must still have an insurance policy in force (set up through Blue Light Insurance Solutions) at the time of the prize-draw and their payments must be up to date. If payments are not up to date the winner will be given 30 days to bring payments up to date before the prize is issued. If after 30 days, insurance policy payments are not brought up to date or the policy is not in force, or under review from underwriters for any other reason, the competition will be re-run and another winner selected. The winner will be notified by email or letter within 30 days of the closing date and will be asked to confirm their postal address. If the winner cannot be contacted and does not confirm their postal address within 30 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner. The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into. The competition and these terms and conditions will be governed by English law and any disputes will be subject to the exclusive jurisdiction of the courts of England. Any personal data relating to the winner, or any other entrants will be used solely in accordance with current GDPR data protection legislation and will not be disclosed to a third party without the entrant’s prior consent. This promotion is in no way sponsored or administered by Network Digital Marketing Ltd or its subsidiaries. The promoter reserves the right to cancel the competition if circumstances arise outside of its control. Any person taking out an insurance policy through Blue Light Insurance Solutions (via the offer posted on healthservicediscounts.com) is automatically entered into the competitions and therefore indicates his/her agreement to be bound by these terms and conditions.