LifeQuote work with many of the largest networks of Advisers in the UK. Benefitting from a range of services and tools they have grown in partnership with LifeQuote, a fact we are very proud of.

Alexander Hall

Alexander Hall

Alexander Hall have been providing whole of intermediary market mortgage and protection advice since 1992. In that time they have grown to be one of the top brokers in the UK, winning numerous industry awards, and through its service and innovation, have helped shape the UK mortgage industry. Operating from offices in central London and advising clients throughout the UK, they believe that people continue to be at the heart of the advice process; customers want to speak to qualified mortgage and protection specialists who use cutting-edge technology during what continues to be an emotionally driven experience.

Alexander Hall has partnered with LifeQuote since May 2005 for its protection proposition. During this time it has worked on a limited specialist panel basis and now offers a whole of market proposition. LifeQuote managed these changes in the quote panel, whilst continuing to provide full administration support. Whilst the system is easy to use, LifeQuote organise regular training and refresher events, often coordinated with the insurers to ensure that the advisers are up to date with product developments and able to use the functionality to get the protection solutions the client requires.

The advisers value the case tracking and regular contact with their Case Manager.

Tom Davies, Sales Director at Alexander Hall says. “The partnership we have with LifeQuote allows our advisers to focus on providing the right advice to the client, handing off the administration process to the LifeQuote team in Chichester who work hard to get the case completed. I have a very good and open relationship with LifeQuote and get regular status reports. The team have arranged with LifeQuote so our cases are tracked against expected mortgage completion dates so we can ensure that the appropriate policies are put on risk when required.

Cavendish Ware
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Cavendish Ware

Cavendish Ware are a growing boutique wealth management firm that provides truly bespoke advice, based in the city of London. They have 10 advisers, 5 paraplanners, 7 administrators and a team of 3 in the investment department.


They have an overall philosophy that everything should be driven by effective financial planning. So whilst investment planning is the focus of many of the advisers, they do see enormous value in ensuring that appropriate protection is in place. This is both for; individuals to ensure their long term ambitions aren’t interrupted by death or sickness, businesses where business protection remains an enormously undersold area, and in IHT planning when appropriately written whole of life plans can be used to mitigate tax.


Chief Executive, Adrian Ware first started using LifeQuote’s services in 2014, as he identified that the firms should be writing more Protection. “What we liked about the service was the fact that the sales process was consistent once we had given the advice, regardless of product or insurer. The advisers and our paraplanners didn’t have to deal with all the different insurers, LifeQuote’s team collected all the application information, which is on a recorded call, reducing my own disclosure risks, and then processed the case, which freed up my staff to focus on higher value activities.”


One of the Associate Directors in Cavendish Ware is the industry award winning specialist Roy McLoughlin, who is passionate about individual protection advice, and was a founder member of the Income Protection Task Force. “I was delighted that Cavendish Ware were already using LifeQuote’s services when I joined them, as I was used to using them at my previous firm”, says Roy. “Having used them for years I have a great working relationship with them, as do our admin team. I like the fact that once I’ve given my advice and the recommendations have been accepted, I can leave it up to the team to get the applications completed, submitted to the insurers and any medical requirements arranged. Many of my clients are older with complex lifestyles, and it’s really useful for me to be able to pick up the phone and talk to the senior team at LifeQuote and the insurers to get problems sorted out quickly. Similarly with a large pipeline of cases going through, it’s easy for my team to look at LifeQuote’s case tracking tool, and see the status of all my cases in one go.”     


During the past 2 years advisers within Cavendish Ware have written Term, Mortgage Term, Income Protection and CI for individual clients, Relevant Life for business owners, KeyPerson Insurance to support business loans and business continuity planning and Whole of Life in IHT planning situations.

Chadney Bulgin
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Chadney Bulgin

Chadney Bulgin LLP is an adviser business located in Fleet. They are Chartered Financial Planners, as awarded by the CII, an exclusive title only awarded to firms which meet rigorous criteria to professionalism and capability.

They have around 70 staff, which include 24 advisers and 6 para-planners working in the business. They have been working with LifeQuote since October 2006. They originally were attracted to LifeQuote’s “Intelligent Protection” tool which helped produce a range of customer based solutions and suitability texts based on market leading provider menu plans. Over the years, as their needs have changed they now use the multi benefit comparative tools more to fulfil their customer research.
Mark Robertson, Protection Partner...... “The LifeQuote portal fits perfectly within our protection planning proposition and enables us to provide our clients with a bespoke plan”

David Thomas, Joint Managing Partner...... “I find the LifeQuote team particularly open to ideas, & take time to fully understand our business. The move from intelligent protection to multi benefit particularly reflects our needs”.

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deVere Group

deVere United Kingdom forms part of one of the world’s leading independent financial advisory firms, deVere Group. 

deVere United Kingdom joined LifeQuote in 2012 to simplify their protection sales processes, and outsource the admin of cases. They have since gone from strength to strength, almost doubling their protection business written and this trend looks to continue as they enter 2016. They have 45 staff, including 28 advisers and 7 paraplanners. 

Kevin White, Head of UK Financial Planning...... “The LifeQuote portal provides a fast and efficient service that helps us really help our clients with a Protection plan that is bespoke to them and their needs



Fluent Mortgages

Fluent Mortgages

Fluent Mortgages are a directly authorised business who have worked with LifeQuote since August 2012, trading then as Brytannic Extra Finance.

Fluent currently operate in the first and second charge mortgage space as well as equity release and following another record year they are looking to develop and expand their insurance proposition.


Dan Payne, MD of Fluent Mortgages, “We have worked with LifeQuote for over 8 years, and we have used different elements of their services as our own business model has developed. We like the quotes portal, and the ability to hand off the admin to the team in Chichester, and it makes economic sense to use their services rather than recruit an admin team or get the advisers to do it themselves. We have built good relationships with the Directors and Ops managers and work well with them, particularly during 2020 when Covid resulted in both of us moving to working from home models and the insurers were struggling to stay on top of medical requirements. We like the fact that they will always try and support our requests, for example we wanted to demonstrate to our auditors our provisioning levels, and they immediately sent us a summary of all business written over the last 4 years, and the persistency across all insurers.”


Adam Aspden the Sales Manager running the Life team at Fluent has regular contact with the LifeQuote BDM to set up training for new advisers who want to learn how to use the portal and submit business. “There are lots of videos on the LifeQuote site” says Adam, “ but we also like the ability to run individual training sessions and refreshers to ensure the team are fully up to speed with the portal.”


Fluent Mortgages

Premier Choice Group
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Premier Choice Group

Premier Choice Group (PCG), was originally established in 1996 with the aim of offering a truly independent personal service to both individual and corporate clients, primarily on health insurance matters. PCG selected the LifeQuote Protection Platform as its protection delivery partner in May 2012.

PCG identified that the breadth of quoting options available in LifeQuote, and Decision in Principle tool gave access to a broad range of protection products that could be used with their existing clients, as well as using the outsourced administration service to save advisers time.

Whilst a number of the advisers had written protection business, LifeQuote initially worked with a specialist Protection Sales Manager, to lead the initiative. He worked closely with the LifeQuote sales team to coordinate specific training events for the advisers.

LifeQuote is still working closely with Premier Choice Group ensuring that advisers and their administration teams are fully aware of the LifeQuote illustration tools, the application processes and admin services.

“This approach will simplify the process for our advisers allowing them to spend more time advising their clients and delivering client specific solutions.”, said Claire Ginnelly.

The business is supplied with monthly MI to help identify the range of protection products written by PCG advisers.

Quilter Financial Planning
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Quilter Financial Planning

Established in 2006, Quilter has grown to become one of the leading financial advice networks in the UK. It is a leading provider of advice, investments and wealth management in the UK and internationally. Managing over £100 billion of investments on behalf of over 900,000 customers. 

Quilter's advisers are focused on providing the right advice and solutions for their clients, both individuals and businesses. They operate across all markets, from wealth management and retirement planning advice through to dealing with customers property wealth plus personal and business protection needs. 

Quilter have been working with LifeQuote since 2013 providing its advisers with access to a protection service designed around them and their clients. Access to the LifeQuote administration service has recently been expanded to include both restricted and whole of market advisers. 

Gemma Harle, Managing Director Quilter Financial Planning

"The LifeQuote service provides Quilter advisers with a fantastic option for their clients. For this reason we have integrated LifeQuote's administration services into our new back office system so it seamlessly integrates between both our business's. 

We have experience of LifeQuote providing excellent administrative support and making a real and substantial improvement to the protection journey for our advisers."


Sandringham Financial Partners

Sandringham Financial Partners is one of the UK’s fastest-growing and market-leading providers of tailored financial advice. Everything they do is designed to deliver the best outcomes for their personal and corporate clients. They put an emphasis on the quality and professionalism of their advisers and have been working with LifeQuote since 2017.

Tim Grey, Chief Operating Officer “We have embraced LifeQuote because we are passionate about helping our partners spend time on the tasks that matter. That means the more admin and process we can eliminate for them the better and LifeQuote’s tele-interview and case management service ultimately allows us to cover more clients.”

The Right Mortgage & Protection Network
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The Right Mortgage and Protection Network is a completely independent network which supports over 340 advisers across the UK.

Martin Wilson, CEO - “One of our key business mantras is providing our advisers with a holistic proposition to support their business and their clients. The LifeQuote team are particularly impressive. Handling around 30,000 cases annually, they have an unprecedented level of expertise in Protection administration. In addition, they work with insurers and all other parties in order to get an advisers case completed.


LifeQuote has strong relationships with all the major protection insurers in the UK. Click on a provider for a summary of their offering on LifeQuote.



Aegon is an international provider of life insurance, pensions and asset management. With over £607 billion assets under management, they have businesses in over 25 countries around the world and around two million customers in the UK alone*.

Aegon are proud to have been helping people take responsibility for their financial future since 1831.

Facts and figures:

  • Global savings and investment provider serving 30 million customers in over 20 countries
  • Founded in 1831 as Scottish Equitable and became part of Aegon in 1994
  • Over 29,000 employees, with over 2,000 based in the UK.
  • Manages over £607 billion in assets on behalf of savers and investors worldwide
  • Lead partner of British tennis since 2009

*Asset value is correct at 31 June 2016, all other information is correct at 11 August 2016.



We are AIG Life Limited – the UK life insurance arm of the American International Group, Inc (AIG), a leading international organisation serving customers in more than 80 countries. As AIG Life Limited, we work in the UK, Channel Islands, Isle of Man and Gibraltar.

We provide insurance that helps people when they really need it, offering financial and practical support for individuals, families and businesses.

We treat customers fairly within every aspect of our business and are committed to delivering the best service possible.

AIG Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.



Aviva provides around 31 million customers worldwide with insurance, savings and investment products. They are the UK’s largest insurer and one of Europe’s leading providers of life and general insurance.

Aviva combine strong life insurance, general insurance and asset management businesses under one powerful brand. They are committed to serving our customers well in order to build a stronger, sustainable business, which makes a positive contribution to society.

Key statistics at a glance:

  • One global brand
  • 31 million customers worldwide
  • Over 300 years of heritage
British Friendly
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British Friendly

British Friendly are a mutual company and have been since 1902, with all customers becoming equal members when they join. They provide affordable Income Protection for as many people as possible - even those who are typically hard to insure.

British Friendly are driven by a commitment to paying members claims. They have paid over 96%* of all claims in the last 5 years.

* As stated on British Friendly website - November 2016


Illness and death pose the biggest risks to any family’s financial security.

At Guardian, we protect families from these risks by providing clear, comprehensive insurance policies that pay out quickly when you’d expect them to.

Our ambition is simple: For every family to have protection that they truly believe in.

We’ve deliberately departed from some of the conventional norms in protection product design. We’ve done this because we believe we should respond to what advisers and their clients need rather than be constrained by industry practice. If you’re starting with a blank sheet of paper and no legacy systems, you can create products that are truly fit for purpose.


Holloway Friendly

Holloway Friendly have been supporting their members since 1875, always there when Members need them the most. In 2020 they paid 98% of claims, helping 697 Members and their families when they were not able to work because of illness or injury. Holloway Friendly look for ways to pay Member claims and treat everyone as an individual.

As a mutual society Holloway Friendly do not have shareholders but is owned by the Members and exists solely for their benefit.

In 2020 they won 3 awards for the service they provide for income protection.

Legal & General

Legal & General

Intermediary Designed is our commitment to you and your business. We’re continuing to invest and build on our intermediary heritage, as well as looking at new ways to improve our service so we can deliver more for you.

We’re focusing on one positive goal – working together to grow the protection market. We’ll continue to evolve our collaborative relationship with you, sharing responsibilities and working towards the same goals. We’ll be here for you and your clients - today, tomorrow and in to the future.

We know protection is sold not bought. Only 31% of UK adults have life insurance, but by working together we can change this and protect more people.

L&G are in the business of paying claims and are proud of their claims record. In 2019 they paid out £763 million across Life, Critical Illness Cover, Terminal Illness Cover and Income Protection Benefit. That’s an average of £2 million every day.




LV= have been helping people look after what they love since 1843. They offer a range of financial solutions to fit today’s lifestyles from life insurance, protection and savings and retirement. As a mutual, everything they do is from the heart and focuses on creating value for the people who buy their products.

LV= want to help people live more confident lives and believe that confidence unites everyone, from individuals, families and communities through to society overall. 

Here are a few facts about LV=:

  • 1.3 million members as of June 2019
  • 1,700 employees across 5 UK offices 
  • Voted the 'Most Trusted Life Insurance Provider' by the Moneywise Customer Service Awards for the 7th year running (2013 to 2019) 
  • Won 'Best Income Protection Provider' for 10 years running (Moneyfact's ILP awards)
  • They are members of the PDG claims charter, meeting the guidelines set to deliver better experiences to customers at claim
The Exeter

The Exeter

The Exeter specialise in healthcare and protection and have links back for over a century as an expert, dedicated insurer.

The Exeter do not have shareholders like a PLC, instead they are owned by their members. Whilst PLCs are judged ultimately on the financial returns they deliver to shareholders, success for The Exeter is paying claims.

The Exeter is based from a single Head Office in the UK and aim to offer the perfect mix between efficiency, technology and that personal touch that you would expect from a leading specialist.

Royal London
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Royal London

Founded in 1861, we’re the UK’s largest mutual life, pensions and investment company. Our excellent customer service and our mutuality means we can give customers that little bit more, and you can trust us to be there for you when it counts. We believe in the value of professional financial advice. This is why we actively champion the role you play – and invest in new tools and services to help you deliver your services more efficiently, while helping to reduce costs and risks for your business.

Good protection is about more than money, that’s why we offer Helping Hand as a support service that comes with all our protection plans available through intermediaries. It’s available to your clients from the day their plan starts, they don’t need to pay anything extra to use it and their partner and children can use it too.

Scottish Widows

Scottish Widows

Scottish Widows has been protecting people for over 200 years and paid their first claim in 1816. In 2018 alone they helped over 9,400 customers and their families by paying out 99% of life cover claims and 94% of critical illness claims. 

With almost 20 years’ experience in online underwriting and rule development Scottish Widows have developed an interactive rules set to give you a high point of sale decision rate.  Here are five key facts about their underwriting*:

  • 100% - for all asthma, back disorders and BMI cases, Scottish Widows will never request a GP report or ask your client to attend a medical examination
  • 95% - of clients who disclose a mental illness are offered cover, with 78% accepted on standard terms
  • 90 - the number of days for which terms are guaranteed
  • 81% - of clients are given a decision at point of sale
  • 10% - Less than 1 in every 10 applications need a GP report meaning many of your clients can get terms agreed and their policy on risk without delay

*Source: Scottish Widows Protect statistics, 2018 underwriting data

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Vitality are part of Discovery Holdings, a worldwide insurer and investment manager protecting over 25 million members in 22 countries worldwide. With a core purpose to enhance and protect members’ lives, Vitality currently operates as VitalityHealth, VitalityLife and VitalityInvest in the UK.

Everything they do is based on a shared value business model, which rewards people for making positive lifestyle choices, is supported by leading academic and research collaborations, including University of Cambridge, Harvard University, and RAND.

Vitality is the fourth largest long-term protection writer in the UK intermediary market and the fourth largest private medical insurer.



Zurich Insurance Group is one of the world’s largest insurance groups. Their mission is to help our customers understand and protect themselves from risk.

With about 55,000 employees serving customers in more than 170 countries, Zurich aspire to become the best global insurer as measured by our shareholders, customers and employees.