Whatpolicy.com is a leading consumer advisory service for everything to do with life insurance and critical illness cover. We were created to make customers like you as powerful and knowledgeable as the insurance companies that provide the cover, and the advisers who sell it to you.
Unlike a large number of banks, mortgage advisers, and financial advisers, we are not targeted by an insurance company to sell a policy to whoever we can. The customers we deal with already have a policy, and we work for you, the customer.
At What Policy, our service is completely free, unbiased and entirely free from selling.
Figures from some of the UK's largest insurers showed that around 92% of all life insurance policies were not written in trust! This means that when you die the money from your policy will form part of your estate and will NOT be paid directly to your family.
By law they will have to wait a minimum of 6 months before they receive a penny (if you have a will) and as many as 18 months if you don't!
With a joint policy, both people pay to be insured, but only one person can actually claim! The policy will only pay out once on the first person to die
2 separate policies cost roughly the same price as a joint policy but will pay out twice! If you have kids this means double the payout and twice as much money!
Most customers believe that all life insurance and critical illness policies are the same, however, this couldn’t be further from the truth.
It’s the small things with insurance policies, a word added here, a missing sentence there, and these small differences mean that the policy you have may not cover you for what you think it does.
At Whatpolicy.com our mission is simple, to provide people like you, who purchased life insurance or critical illness cover from a bank, mortgage advisor or financial adviser with peace of mind that the adviser has acted in your best interests and the policy you were recommended is actually the best policy for you and your family
Our free policy health check, done in the comfort of your own home, will provide you with all of the facts and information about your policy and all of the options available to you, so that you can be sure that the policy you have will properly protect you and your family. If it doesn’t then our expert adviser can help you put it right