Northampton Office:
- Suite 4 - Concept Park
- Watling Street
- Towcester
- NN12 7YD
St. Albans Office:
- 12 - 14 Upper Marlborough Road
- St Albans
- Hertfordshire
- AL1 3UR
When you take out Term Life Insurance, Critical Illness Cover or Income Protection through Blue Light Money you are eligible for our "insurance 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 total policy premium (for all policies you have placed into force) was £46.50 per month, you would get a voucher reward worth £50.00.
The voucher reward is payable only when your policy/policies are active and is issued 3 calendar months after the latest policy start date. The voucher is issued by email, using the same email address you used when you applied for cover with us. The maximum "insurance voucher reward" per postcode is £150.00.
If you allow any of your policies to lapse, or if any of your policies are in arrears prior to the intended voucher issuance date, then the voucher will be withheld until all policies are live and all payments are brought up to date. If for any other reason the insurer removes your policy/policies from active status or your policy/policies are in review, or further information is being assessed by underwriters before the intended voucher issuance date, the voucher will be withheld until all policies are “live” and premiums are paid and up to date again.
This offer does not apply to Private Medical Insurance, Whole of Life Insurance, Business Protection, or Guaranteed Acceptance Insurance.
When you arrange a Mortgage, or a Remortgage through Blue Light Money you are eligible for our "mortgage voucher reward" offer. The amount of your voucher is £25.00. The voucher reward is issued only on successful completion of your mortgage, and is issued 3 calendar months after the date of completion. The maximum "mortgage voucher reward" per postcode is £25.00.
This offer does not apply to Product Transfer Mortgages. We have a separate voucher reward offer for Term Life Insurance, Critical Illness Cover or Income Protection which is detailed above.
When you take out Term Life Insurance, Critical Illness Cover or Income Protection, or arrange a Mortgage, or a Remortgage through Blue Light Money, you will be eligible for a free will writing kit. Upon request, and assuming your insurance policy/policies have been activated, or your mortgage/remortgage has completed, 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 is allowed per postcode. We do not send the will kit unless you request it. Will writing is not regulated by the Financial Conduct Authority.
We apply a 10% “commission sacrifice” to all Term 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. If you choose to proceed with the cover then this commission sacrifice will be applied, and will apply for the lifetime of your policy. Please be aware that a 10% commission sacrifice does 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. We do not apply commission sacrifices to Whole of Life Insurance, Private Medical Insurance, Guaranteed Acceptance, or Business Protection Insurance policies.
When you take out Critical Illness Cover through Blue Light Money 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.
Blue Light Money is a trading style of Lifetime Wealth Management Limited, an Appointed Representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited. As a result of being part of Quilter, one of the largest financial services networks in the UK, we have access to some rates that are not typically available on the High Street. Please be aware the rates lenders offer different financial institutions are frequently subject to change and we therefore can never guarantee the rate we offer you is not also available elsewhere.
Some of our lenders offer special deals and flexible lending terms to those considered as key workers. Lenders that currently offer such a proposition include Kensington Mortgages, Principality, and Buckinghamshire Building Society. Please note each lender has specific eligibility criteria and terms and conditions associated with these offers. All lender offers are subject to change at any time and we cannot therefore guarantee such offers will be available to you at the time you apply.
Northampton Office:
St. Albans Office:
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