Blue Light Insurance

Blue Light Insurance: insurance for emergency services and the public sector

Blue Light Insurance presents itself as an advisory firm specialising in insurance for workers in the emergency services, civil service and public sector in the United Kingdom. The firm states it has over ten years of experience advising groups such as the police, NHS, fire service, civil service, prison service and armed forces. Its activity focuses on comparing policies from leading insurers in the British market and on brokering personal and family protection products.

Personal and family protection products

The firm's catalogue covers life insurance, critical illness cover, income protection, mortgage protection and private medical insurance. It also offers advice on inheritance tax cover. Each product addresses specific needs: life insurance protects the family with a lump sum or income in the event of death; critical illness cover provides a lump sum upon diagnosis of a serious illness, such as cancer; income protection replaces income when one cannot work due to illness or injury; mortgage protection covers the mortgage payment in the event of death or serious illness; and private medical insurance covers the cost of treatment in the private healthcare system. The company also advises on mortgages, with options for first-time buyers, remortgages and other types, as well as on wills and trusts.

Commission reduction and premium discounts

Blue Light Insurance applies a 10% reduction on the commission it receives from insurers for all life, critical illness and income protection insurance, and passes that saving on to the client in the form of lower monthly premiums. According to the firm's information, this discount is maintained throughout the life of the policy. The company clarifies that the premium reduction is not equivalent to 10% of the total amount, since the commission represents only part of the monthly premium, and that the final saving depends on factors such as the size of the premium and the commission levels offered by the insurer. This reduction does not apply to private medical insurance, accident, sickness and unemployment cover, or guaranteed acceptance life plans.

Rewards for taking out cover: vouchers and will kit

Taking out a policy through Blue Light Insurance gives access to a voucher reward of up to £150 to spend at a wide selection of retailers. The voucher amount is calculated by rounding up the first monthly insurance premium to the nearest multiple of £5; for example, a premium of £46.50 per month generates a £50 voucher. The voucher is issued by email three months after the policy start date, provided the policy is active and up to date with payments. The maximum per postcode is £150. If the policy is suspended or under review, the voucher is withheld until it is regularised. The offer does not apply to private medical insurance, accident, sickness and unemployment cover, or guaranteed acceptance life plans. In addition, the firm offers a free will writing kit, which is sent by post within a maximum of 14 working days after request, with a limit of one kit per postcode. The company notes that will writing is not regulated by the Financial Conduct Authority.

Access to insurers and additional cover

Blue Light Insurance works with a wide network of insurers, from major market names to insurers specialising in high-risk occupations and complex pre-existing health conditions. According to the firm, this variety allows it to adapt to diverse personal circumstances. Many of the policies it advises on include additional benefits such as 24/7 digital GP services, mental health support, second medical opinion through Best Doctors® and rewards for maintaining an active lifestyle.

Part of a financial group and advisory approach

The company is part of Lifetime Financial Management, which presents itself as one of the UK's largest financial services providers. Within the group, there are also brands focused on mortgages for emergency services, public sector and civil service, as well as insurance for the armed forces, Ministry of Defence, veterans and reservists. Blue Light Insurance describes itself as a team of trained and qualified advisers who provide guidance and advice without resorting to cold calls or aggressive sales techniques. Its stated goal is to help clients understand and cover their risks in a cost-effective way tailored to their financial situation.