How to use our Non Advisory Protection Portal

If you are confident that you know what protection policy you need, the appropriate term and sum assured, you can generate quotations from all the major providers by clicking on the appropriate product application form to the left. Heritage cannot guarantee any quote as the final decision on policy premiums will ultimately depend on any underwriting decision. All quotes are on a standard health basis and anything to the contrary may result in premiums being increased. You will be informed of any underwriting decision before you accept the policy terms.

What we offer

• A heavily discounted online protection quotes service for:
  • Term Assurance
  • Whole of Life Cover
  • Critical Illness Cover
  • Income Protection (also known as Permanent Health Insurance)

Is is right for me?

This service is most appropriate for people who:

• understand protection products
• make their own protection decisions
• know how much to insure themselves for
• know what type of protection product they need
• will continue to look after their protection products themselves

If this service feels right for you, click on appropriate left hand sidebar link to access the online applications.