Fair Price Guarantee

iam|INSURED is a team of extremely passionate professional life insurance experts. Our business was founded in 2018 by Daniel Sharpe-Szunko, who has over 20 year’s experience in specialist protection and mortgages.

Our experts are among the first in the UK to help people with medical conditions, dangerous jobs and hazardous activities to get life cover.

We work tirelessly to make sure that our customers pay the right price for life insurance, critical illness cover and income protection. This means that we’re constantly speaking to insurers to push for fairer ‘terms’ for all of our customers.

How does it work?

Our team are in regular contact with all of the UK’s top insurance brands, making sure that we feel underwriting is fair and reasonable. If we feel that we’re seeing something that isn’t right, then we speak to insurance providers to get it changed.

Through our knowledge and experience, we are able to quickly identify which rates are fair and which ones aren’t. We have direct links with all of the biggest insurers so we’re able to let them know what’s right and what’s wrong.

What does this mean for you?

The constant work that we do with our insurance partners means that we’re improving your rates for you and your family. Over the past 20 years, we’ve seen big improvements in life insurance premiums for several of the major conditions.

The prices we see today are far better than the rates which were available many years ago, which is a positive step forwards. We still have a long way to go and we feel that you should be able to get better cover and pay less for it.

People with medical conditions should be paying a fair price for life cover based on their circumstances, treatments and their health.

How hard do we work to get you the fairest price?

We use our 20 year’s experience and expertise to get the best price for all our customers. This means that we know which insurers offer the best rates for you based on your own circumstances.

Our team of experts will search the UK’s top insurers to find you the fairest and best price. This means that if we have to go to each and every company to get you the lowest premiums, then that’s what we’ll do.

We’ve also got specialist partners who aren’t available to everyone, which gives us a better chance of getting cover than a lot of other companies.

We’re in your corner and we’ll do whatever it takes to get you a fair price!

If we think that something isn’t fair or isn’t right then we do something about it. Our experts work for our customers and we’ll fight for you to get you the best rates.

We have successfully negotiated terms and rates for thousands of customers to get them a fair offer. When you apply to iam|INSURED, you should be confident that we work for you and not for the insurers.

What happens if life insurance rates change in the future?

You shouldn’t put off buying life cover waiting for rates to improve in the future, it’s important that your family are properly protected. The younger you are, the cheaper life insurance rates will be so get your cover sorted as soon as you can.

We promise to review our customers policies regularly to make sure that you’re paying the right price now, and in the future. If we can get you a better price after you’ve taken a policy, we’ll contact you to let you know.

Life insurance companies we have worked with:

  • Aegon
  • AIG
  • Aviva
  • ESMI
  • Exeter
  • Legal & General
  • LV
  • Partnership
  • Royal London
  • Vitality
  • Zurich

Some of the main conditions where we’ve helped things to get better:

  • Cancer
  • Diabetes
  • Epilepsy
  • Heart conditions
  • Kidney disease
  • Mental health
  • Multiple sclerosis

We promise to keep promoting fairer terms for you and your family to get you the best protection at the right price…