Terms & Conditions

For all of the below: You must be over the age of 18 and a UK resident. No cash alternatives are offered.

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.

Two Months Free Cash Back:

When you take out cover through Blue Light Insurance Solutions, via World Privilege Plus, you are eligible for our two months cash back reward offer. The amount of your cash back is calculated by the size of your first monthly insurance policy premium, multiplied by two and, rounded up to the nearest £1. We offer a maximum cash back amount of £150.00 per household, regardless of premium size.

The cash back reward is payable 6 calendar months after your policy start date by bank transfer, using the same bank details you use to pay your insurance premiums. If you allow your policy to lapse, or if the policy is in arrears prior to the intended cash back payment date, then the cash back payment 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 cash back payment date, the cash back payment 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 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.