About these terms
By using this website, you agree to these terms. If you do not agree, please do not use the website. You must be at least 18 years old and resident in the United Kingdom to submit an insurance enquiry through LifeNest.
Our service
LifeNest provides general information about life insurance and may introduce you to a third-party insurance broker or provider. LifeNest is not an insurer, does not issue policies and does not guarantee that insurance will be available.
Using the website or submitting an enquiry does not create an insurance contract. Any policy is subject to the insurer’s eligibility requirements, underwriting, price, policy wording and acceptance. Cover starts only when the insurer confirms it is in force.
Insurance information
Website content is general information, not personal financial advice or a recommendation. It cannot take account of your complete circumstances. Before buying insurance, check the insurer’s full policy documents, exclusions, price and final terms and seek professional advice if you are unsure.
Examples, guides and estimated prices are illustrative. Actual availability, premiums, cover and exclusions vary between applicants and may change after underwriting.
Introductions and third parties
If you choose to continue to an insurance broker or provider, the website will identify that organisation before you submit information to it or leave LifeNest. That organisation provides its service under its own terms and privacy policy and is responsible for its advice, communications, quotes and services.
LifeNest may receive a payment for an introduction. Unless clearly stated before you proceed, you do not pay LifeNest a fee for using the website.
Links to other websites are provided for convenience. We do not control those websites and are not responsible for their availability, content or security.
Your responsibilities
You must:
- provide accurate and complete information;
- read all questions, disclosures and policy documents carefully;
- not rely on an initial quote as confirmation of cover;
- not cancel existing insurance until replacement cover is confirmed and you have decided it is suitable; and
- use the website lawfully and only for genuine personal enquiries.
You must not interfere with the website, attempt unauthorised access, introduce malicious code, scrape it at scale, impersonate another person or submit false or misleading information.
Website availability and accuracy
We aim to keep the website useful, accurate and available, but we do not promise uninterrupted access or that all content will always be complete, current or error-free. We may change, suspend or withdraw any part of the website without notice.
Intellectual property
The website’s design, branding and original content are protected by intellectual-property laws. You may view and print reasonable extracts for personal, non-commercial use. You may not reproduce, sell, republish or commercially exploit website content without prior written permission.
Our responsibility to you
Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.
To the extent permitted by law, LifeNest is not responsible for losses that were not reasonably foreseeable when you used the website, losses caused by events outside our reasonable control, or business losses arising from personal use of the website. We are not responsible for decisions, acts or omissions of independent insurers, brokers or other third parties.
Your statutory rights as a consumer are not affected.
Privacy
Our privacy policy explains how personal information is used when you visit the website or submit an enquiry.
Changes to these terms
We may update these terms to reflect changes to the website, our services or the law. The terms in force when you use the website apply to that use. The latest version and update date will be shown on this page.
Applicable law
These terms are governed by the law of England and Wales. If you live elsewhere in the United Kingdom, you may also benefit from mandatory protections under the law of your home nation and may bring proceedings in your local courts.
Contact us
For questions about these terms or the LifeNest website, email hello@getlifenest.co.uk or use the LifeNest contact page.