Frequently Asked Questions
Who are Life Cover for All (LCFA)?
Life Cover for All LLP is a Registered Company (OC359631). We are an Appointed Representative of Access Wealth Management, which is authorised and regulated by the Financial Services Authority
How can I verify that LCFA is legitimate?
Life Cover for All is registered with Companies House, registration number OC359631.
Life Cover for All is registered with the Financial Services Authority, FSA number 540652.
How can LCFA get me cover when others can’t?
Life Cover for All we are not tied to any one insurance company and can approach most major Life Insurance companies to try and get you the best possible cover. This gives us more options as to where we place your Life Insurance enquiry. We have acquired invaluable experience in knowing which insurers are best to approach for certain conditions or hobbies. We cannot guarantee to obtain cover for every single case, but we will do all we can!
How does Life Cover for All work?
There’s nothing worse than filling out pages of forms then waiting for months only to be told that you can’t get affordable cover, if at all, because you have a non standard application. At LCFA we screen all potential applicants to obtain as much information from you about your condition then speak to the insurers underwriters first on your behalf. Only when we have approached the insurers to gauge the potential for acceptance and cost will we proceed to application. This prevents you wasting your valuable time and effort - and we do all the work for you!
Does cover with Life Cover for All cost more?
In the majority of cases there will be additional costs or ‘loadings’ imposed by the Insurance providers because of the increased risk. By approaching numerous providers LCFA aim to obtain the lowest premiums available and discuss any possible increase in premiums with you before we submit an application. That way there are no nasty surprises! LCFA does not charge any fees for this service.
What if I already have an insurance policy?
It may still be worthwhile getting a new quote. Over the last few years, insurance companies have reduced their premium, which means that you could be paying more than you need to for exactly the same policy. However you must never cancel an existing policy until you have an alternative in place and on-risk.
When is the best time to take out Life Insurance?
If you’re lucky enough to be fit and healthy, then it’s tempting to think that it will never happen to you. After all, no-one wants to focus on confronting issues such as illness or injury. But the unfortunate reality is that misfortune can strike at any age, when you least expect it.
The best time to take out insurance is when you are in good health.
As you age, you can suffer health-related issues making it more difficult to obtain cover.
Helping today to protect tomorrow
Life Cover For All LLP (Registered in England under company Reg No OC359631) is an Appointed Representative of Access Wealth Management, Station House, Station Road, Wylam, Northumberland, NE41 8HR which is authorised and regulated by the Financial Services Authority