We try to keep the terms and conditions to a minimum. No need to make a big deal out of it when there isn’t one.


The main reason for any terms and conditions is for protection of our business. Yes, we have families too and apparently we have to feed them and buy them things as well!! Who knew 😊 But it also helps us protect you our customer. Ok so let’s get on with it.


  • Months free is done on a cash back basis. After your first month you pay the monthly premium, we will then reimburseh you within 10 days.
  • Your policy must be kept in force for a minimum of 2 years otherwise you may have to pay a fee. Your fee is calculated as the cost of your free months apart from your first month. If you do need to change your policy and we complete the change on your behalf no fee is payable.
  • This offer applies to Mortgage Protection & Family Life Cover Policies Life Cover only. IE Not any policies with serious illness.


That’s it. No other terms and conditions apply. Not so bad ehh?