A good quote request isn't complicated - but it works from good raw material. This list gathers what's worth preparing for the 20-minute conversation: ten minutes of work, and obtaining competing offers can start in earnest right away. No documents or signatures are needed at this stage - just numbers and facts.
In short:
- Ten minutes of preparation - and the consultation can get straight to the point.
- The list has three blocks: your family's numbers, the health basics, your existing cover.
- Nothing is binding: requesting a quote is free, and the decision is yours at every point.
Block 1 - your family's numbers (for sizing the cover)
- The balance and remaining term of any outstanding loans - the figures from online banking are enough.
- The family's typical monthly spending (an approximate figure is enough).
- The household's income - who brings in how much, and how stable it is.
- The children's ages; education plans in broad strokes.
- The rough size of reserves that can be accessed quickly.
- All of this filled in line by line: cover-sizing worksheet.
Block 2 - health basics (for realistic quotes)
- Year of birth; height and weight.
- Smoking: yes/no/quit (when) - why this is the big question.
- Known, treated conditions and a list of medications taken - just at listing level: why precision helps.
- Occupation and regular sports - if any carries higher risk.
Block 3 - existing cover (to avoid overlap)
- Active life insurance policies: insurer, amount, expiry - tracking down the policy document can wait until later: reviewing an existing policy.
- Employer group cover, if any - with an approximate amount.
- Bank insurance linked to a loan, if any: bank vs. standalone.
What happens to the data?
In the conversation, these numbers come together into your need and the sizing of the cover; the data needed for the quote request goes to the insurers, while health details, at the signing stage, move directly through the insurer's regulated channels. Every step of the process is free and without obligation: let's start with the 20 minutes.
A question about your family's situation? Book a free 20-minute consultation →
This article is for information purposes only; it contains general information and does not constitute an offer or insurance advice. The exact content of insurance contracts is defined by the insurers' terms and conditions in force.
