Life Insurance For Life Savers.

Compare Life Insurance, Critical Illness Cover & Income Protection with the UK's leading insurers - Special Offer For Emergency Services, NHS, Civil Service & Public Sector Staff!

Up to £150 Cash Back Voucher!

Free Will Writing Kit

And Children's Cover Included!

"They have access to companies you can't quote for yourself so this opened up additional options to us above the price comparison sites. Beat our other quotes by around 20%." – Barney, Trustpilot

Get Quotes Today! Call: 0800 270 0004

Life Insurance For Life Savers

Compare Life Insurance, Critical Illness Cover & Income Protection with the UK's leading insurers - Special Offer For Emergency Services, NHS, Civil Service & Public Sector Staff!

Get Up To £150 Voucher

FREE Will Writing Kit

Plus Children's Cover

Whether you're looking to cover your mortgage, protect your family, or cover funeral costs we've got you sorted.

"They have access to companies you can't quote for yourself so this opened up additional options to us above the price comparison sites. Our advisor was superb and beat our other quotes by around 20%." – Barney, Trustpilot

Up to £150 to spend at your favourite retailers!

  • Get up to £150 voucher reward when you take out cover through us!
  • This is available to spend at a huge number of well-known retailers.
  • Simply log into our rewards platform and choose where to spend your reward!
  • It's our way of saying thank you, for doing the right thing!
Get Your Quotes!
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How our voucher reward works: 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 or Hive Guaranteed Acceptance Insurance.

What is Life Insurance?

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What is Life Insurance for?

Life Insurance is designed to pay a lump sum (or sometimes an income) in the event of your death. It's usually used to provide financial support to your loved ones, or to pay off a large debt such as a mortgage. When you take out Life Insurance, you cover yourself for a set amount (e.g. £100,000) over a set period of time (e.g. 25 years).

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What's the difference between level and decreasing cover?

If you choose a level policy, the amount you are covered for will stay the same over the life of the policy. If you choose a decreasing policy, the amount you are covered for will decrease over the life of the policy. Decreasing policies are usually designed to cover a mortgage that you are gradually paying off. Premiums for decreasing policies are cheaper than they are for level policies.

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Are Life Insurance premiums fixed?

In most cases yes, but you do need to be careful here. We will always recommend that you use "guaranteed" premiums. This means they are fixed, and do not increase over time. However some insurers also offer "reviewable" premiums which do tend to increase as you get older.

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Does the money pay as a lump sum, or an income?

This depends on the type of policy you choose. Most Life Insurance policies are designed to pay out as a one-off lump. However you can also take out "Family Income Benefit" life insurance, which is designed to pay your family an ongoing income instead. Our team can help you decide what it right for you.

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Will my insurer try to wriggle out of a claim?

It is a common misconception that insurers do their best to avoid paying claims. In fact, insurers have to publish their claims statistics each year and the vast majority can prove they pay well over 95% of their life insurance claims.

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Can I get life insurance through my employer?

Some employers do offer a form of life insurance called "death in service". Whilst this is a brilliant benefit (if you are lucky enough to be offered it) you shouldn't necessarily rely on it entirely. Remember that if you leave your current employer, you'll leave your life insurance behind too, and life insurance gets more difficult and expensive to take out the older you get. Our recommendation is to always have some personal cover in place too!

We work with some big names.

  • We're lucky here to have access to a huge number of insurers.
  • So regardless of what life looks like for you, we're well placed to get you the right deal for your circumstances.
  • We work with lots of big household names - many of which you will have heard of!
  • But importantly we also work with some lesser-known niche insurers who specialise in high-risk occupations and complex pre-existing health conditions.
  • In short, we're perfectly suited to help people like you!
Get Your Quotes!
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Insurance that gives back to you!

We like to reward our customers for doing the right thing...

£150 Cash Back Voucher!


When you take out Life Insurance, Critical Illness or Income Protection you get up to £150 to spend at hundreds of well-known retailers.

Premium Discounts


We apply a reduction to the commission we receive from the insurers, and pass that saving on to you in the form of cheaper premiums!

FREE Will Writing Kit


When you take out insurance through us you're eligible for a FREE Will Writing kit, because protecting your family is what we do.

How our voucher reward works: 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 or Hive Guaranteed Acceptance Insurance.

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 our premium discounts work: 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 or Hive Guaranteed Acceptance Insurance.

Policies packed full of features.

Wouldn't it be nice if your insurance did more than just cover the worst case scenario? Many of the policies we advise on include all sorts of extra benefits including:

24/7 Digital GP Services

Mental Health Support Services

Best Doctors® - Second Medical Opinion

Rewards for leading an active lifestyle

If you want to find out more about additional benefits and services, then just speak to one of our advisers - they'll be happy to help!

Get Your Quotes!

Why choose Blue Light Insurance?

1. We've got hundreds of five star trustpilot reviews



Don't just take our word for it, why not check us out on Trustpilot and have a read of some of the great things other Blue Light Workers have to say about us.

3. We earn less commission and pass the savings on to you!



By default we apply a reduction to the commission we receive from the insurers, and pass that saving on to you in the form of cheaper premiums! Terms & Conditions Apply

The important stuff.

  • Blue Light Insurance Solutions is a trading style of Lifetime Financial Management Ltd
  • Lifetime Financial Management Ltd is authorised and regulated by the Financial Conduct Authority (448415)
  • When you take out cover, you are protected by the Financial Services Compensation Scheme
  • We abide by the Data Protection Act 1998, and the General Data Protection Regulation (GDPR)
  • All phone calls are recorded for training and monitoring purposes.
Read our privacy policy here.
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