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How Can Help You.

Choosing to protect your family and loved ones with comprehensive life insurance policy is a great decision. Whether you are starting a family, have dependents that rely on your income, have recently taken out a mortgage or have other financial commitments, the reasons are seemingly endless.

Should the worst happen, not having life insurance can put undue pressure on your family and loved ones. Taking out a life insurance policy can help those you care about manage their financial worries at a difficult time. To find out if you qualify for a great life insurance deal, click "Get A Quote".


The Process...

A life policy sourced through is a great way to protect your loved ones, even on a tight budget. A life policy instantly protects those dearest to you from financial worry should you pass or should your income no longer be there to support them.

If you live in the UK and are aged 18 to 64, use to protect your family's financial future today.


Why choose us? is one of the UK's leading life insurance search services. Used by many thousands of people each and every week, and working in partnership with some of the UK's leading life insurance providers, is the go to place for a new policy quote. Our service is fast, simple and effective.
  1. Who are we?
  2. How we may contact you
  3. How you contact us
  4. How we keep you informed
  5. Obtaining Data /Information
  6. Communication
  7. What information Do We Collect?
  8. How do we use your information?
  9. Who do we share your information with?
  10. Who Might Our Panel Of Life Insurance Providers Share Your Information with?
  11. What cookies do we use?
  12. How secure is our site and what steps do we take to keep your information safe?
  13. Your rights and responsibilities
  14. >How long will we retain your information for?
  15. How to make a complaint?

1. Who are we?

Lives Insured is a trading name of TFLI Limited, who are authorised and registered with the Financial Conduct Authority as a credit broker, reference number: 723630. TFLI Limited is registered in England and Wales (Company number 08424810), Registered Office; Grimshaw Lane, Bollington, Macclesfield, Cheshire, SK10 5JB. Licensed by the Information Commissioners Office, (registration number Z3585914).

Lives Insured are aware how important your privacy is, based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at Lives Insured may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.

This privacy policy is only applicable to us and personal information which may be collected and obtained by us may choose to amend the content of this privacy policy on occasion. If this occurs then we will update the policy and the revised policy will be posted on this website.

2. How we may contact you

Unless you state otherwise to us, life insurance providers (see further section on 'How we keep you informed') may contact you via telephone, email, post, SMS, automated messages

3. How you contact us

If you need to contact TFLI Limited please use the below contact details. Your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.

By Post:

Complaints Department, Be Sure Insure, Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB

By Phone:

01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users' free minutes)

By Email:

4. How we keep you informed

We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.

Third party insurance providers will contact you offering life insurance services which potentially could suit your needs. Whilst the insurance provider or third party will make contact with you to confirm whether your enquiry has been successful they will too have their own privacy policies and we recommend you refer to them, upon making your enquiry, you will be requested to agree to their use of your information.

5. Obtaining Data/Information

  1. You are free to access and browse our website at your convenience and do not have to provide any personal information/data, however I would like to refer you to the 'Cookies' section set out within this privacy policy).
  2. The information/data that we would normally collect from you is as follows:
    • Name
    • Residential address
    • Date of birth
    • Email address (if applicable)
    • Telephone number (home, mobile, work)
    • What you do on our website; the results of this will be used to show Be Sure Insure examples of which parts of our website are most and least used (please refer to 'Cookies' section)

If you register with us and have a question about our services, or alternatively choose to send an email to may also collect the above personal information/data in this instance in order for us to respond to your enquiry.

6. Communication

Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to identify potential customer products, and services who have expressed interest in our Life Insurance products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavor to check your information with you on occasion.

We may communicate with you to ensure your personal details & or preferences are kept up to date.

It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.

If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within 'Contact' page).

7. What Information Do We Collect?

We collect personal information about you when you give this to us when submitting your life insurance enquiry online. This might be, for example, to obtain comparative quotes for the life insurance enquiry. In the course of providing the Services to you, we may also store information about how you use our Sites for twelve months, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with personal details, for example, name, address and date of birth.

In order to provide you with a life insurance quote we may need to collect personal information which data protection legislation defines as sensitive, such as your address, date of birth and name. By proceeding with obtaining a quote you give your explicit consent to such information being processed by us and our third-party providers ( Life Insurance Providers) for the purposes stated in this Privacy Policy.

We will store the information you provide and may use it to pre-populate fields on our Web Sites, Emails and SMS platforms, to make it easier for you to use our services when making return visits.

We may monitor or record your Calls, Emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.

We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law; TFLI Limited will only retain your personal information for twelve months.

8. How do we use your personal information?

We may use your personal information:

  1. to enable you to access and use our Life Insurance broking Services;
  2. to personalise and improve aspects of our Services;
  3. for research, such as analysing market trends and customer demographics;
  4. to communicate with you, including some or all of the following:
    1. sending you information about products and services which we think may be of interest to you - this may include new product launches relating to life insurance, newsletters and opportunities to participate in market research;
    2. sending you life insurance quotes / offers in order to provide this service to you, we may also send that information to our partners such as our panel of life insurance companies so that they can calculate their quotes. When they do this, our partners may carry out soft credit checks on you (see section 9 Who do we share your information with? below for further information on the type of checks that may be undertaken);
    3. sending you a confirmation SMS / Email of your quote - when you submit an application with us, you will automatically be sent confirmation of your application by Email and SMS so that you have a record of it;
  5. to process an application between you and a third party such as the life insurance provider;
  6. to track sales, which may involve us sharing data with your product provider relating to the product(s) you have purchased. Your product provider may also send us information they hold relating to the product(s) you have purchased for this purpose;
  7. to match our data with data from other sources - we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and as well-organised as possible. As well as ensuring that any marketing material that we send you is appropriate to your needs, this process also ensures that our Services continue to be as personalised and focused as possible;
  8. to circulate our customer survey review by Email which are available to customers once an application has been completed;
  9. to enable you to share our content with others, e.g. by using any 'Email a friend' or 'Share this' functionality on our Sites.
  10. to potentially pass on your data to third parties for marketing purposes as per section 5 where you have consented to do so.

Keeping you informed about the Services: You agree that we and, with your consent, other trusted third parties will be entitled to contact you (depending on your contact preferences) via Email, Post, Telephone, SMS, or by other electronic means such as via social and digital media, in relation to products, services and other offers that may interest you.

Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use and sharing of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.

9. Who do we share your information with?

When you complete an application, you consent to us disclosing your personal information to the following parties:

  1. Lives Insured and TFLI Limited: (i) to communicate with you, including sending you information about products and services which may be of interest to you; (ii) to speed up form filling, or to personalise, or improve your experience on its website, mobile applications or other similar devices, channels or applications; or (iii) in accordance with its privacy policy.
  2. Life insurance providers as detailed below.
  3. trusted third parties but only where you have opted in to allow us to do so and where we believe their products, services or other offers may interest you.
    Services Provided: Company Details:
    Life Insurance Providers:
    Life Insurance Products
    • Active Life
    • C & C Communications
    • Choose Leads Ltd
    • Conectia Ltd
    • Protected Online
  4. our channel operators: whilst the majority of the channels on our Sites are run by us, some of our channels are designed and maintained for us by our third party service providers. We may receive your personal information from these service providers and use it in accordance with section 4 above. We will only use the personal information we receive from third parties where the relevant third party can show that it was collected and processed with your consent;
  5. the Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring;

Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:

  1. if required or permitted to do so by law;
  2. if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
  3. if necessary in connection with legal proceedings or potential legal proceedings; and/or
  4. in connection with the sale or potential sale of all or part of our business.

If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.


If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering. Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.

By submitting an application form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the life insurance provider to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications.

What is a Fraud Prevention Agency?

Fraud Prevention agencies collect, maintain and share information on any known or suspected fraudulent activity.

They work in the following ways with various organisations:

10. Who might our panel of life insurance providers share your information with?

Some of our providers will use your personal information to assess your circumstances (including information about any third party who is named on the policy) and verify the information that you have provided before providing a quote to you. Some providers may carry out checks with fraud prevention and credit reference agencies. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them or loyalty scheme data to share with life insurance providers in order to determine your life insurance quote. If providers carry out these searches, a record of the search will appear on your credit report. Some providers may also check public and private higher education sources to obtain information about your educational background.

This information exchange allows providers to verify the information that is provided during the quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent applications. These checks are not unique to users of our Services - they may also be carried out if you obtain quotes from other sources.

If you decide to enter into a life insurance policy, the information you have provided to us, together with any further information requested by, and supplied by you or us to the third party provider, will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the life insurance policy. We have no responsibility for the uses to which a provider puts your personal information.

11. What cookies do we use?

A cookie is a very small text file placed on your computer or device. Cookies help us to:

  1. understand browsing habits on the Sites;
  2. understand the number of visitors to the Sites and the pages visited; and
  3. remember you when you return to the Sites so we can provide you with access to previously saved quotes.

Most cookies are deleted as soon as you close your browser or mobile application - these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire. Every time you visit, you will be kept signed in for a further 90 days. By using the Services, you consent to us using cookies.

You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our Sites on your system. For more information on the cookies we use, please see our Cookie Policy.

12. How secure is our site and what steps do we take to keep you safe?

Our Sites are "Let's Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.

We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.

13. Your rights and responsibilities

You have certain rights under data protection legislation. For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing. The law allows us to charge you a £10.00 fee for a copy of such information and we may do so.

To make enquiries and/or exercise any of your rights set out in this Privacy Policy please contact our Customer Services Team at

If you would like to opt out of future contact from Lives Insured please enter your details via or email where your details will be removed from any future marketing campaign.

In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.

Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.

This Privacy Policy shall be governed and construed in all respects in accordance with the laws of England and Wales.

We reserve the right to amend or modify this Privacy Policy at any time and any changes will be published on the Sites.

14. How long will we retain your information for?

Once you have submitted your Life Insurance enquiry via the we will only hold that information for twelve months. Once the twelve month period has passed all of your personal data will be deleted from our systems. If you require further information on our data retention policies please email:

15. How to make a complaint

Lives Insured always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we're keen to resolve it as quickly as possible. You can contact us is any of the following ways:

By Post:
Complaints Department, Be Sure Insure, Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB

By Phone:
01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users' free minutes)

By Email:

We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.

If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -

Financial Ombudsman Service
Exchange Tower
E14 9SR
Telephone: 0800 023 4567
Web site:

You can report any of your concerns to the Information Commissioner's Office (ICO)

Information Commissioner's Office
Wycliffe House
Water Lane
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510

Last updated February 2018 Complaints Procedure

How to complain… always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways: By Post:

Complaints Department
Adelphi Mill
Grimshaw Lane
SK10 5JB

By Phone: 01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users’ free minutes)

By Email:

We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.

If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -

Financial Ombudsman Service
Exchange Tower
E14 9SR
Telephone: 0800 023 4567
Web site:

Terms and Conditions

Lives Insured reserves the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website. In the event that such removal takes place we shall not be liable to you in any way whatsoever for such removal.

Prices, and details, of products and services (and any offers) posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company. The company advertising the products or services concerned may accept or reject your offer at its sole discretion.

The copyright in the material contained in this website belongs to Lives Insured or its licensed source. Any person may copy any part of this material, subject to the following conditions:

While Lives Insured has taken care in the preparation of the contents of this website, this website and the information, names, images, pictures, logos, icons regarding or relating to Lives Insured or the products and services of the same (or to third party products and services), are provided on an 'as is' basis without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will Lives Insured be liable (whether in contract or tort (including negligence or breach of statutory duty) or otherwise) for any losses sustained and arising out of or in connection with use of this website including, without limitation, loss of profits, loss of data or loss of goodwill (in all these cases whether direct or indirect) nor any indirect, economic, consequential or special loss.

Lives Insured does not represent that the information contained in this website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in this website or for any reliance placed by any person on the information.

Lives Insured does not warrant that the functions or materials accessible from or contained in this website will be uninterrupted or error free, that defects will be corrected or that this website or the server that makes it available are virus or bug free or represent the full functionality, accuracy, reliability of the materials.

If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude Lives Insured's liability for death or personal injury resulting from Lives Insured's negligence.

All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data or processes contained in or to this website belong to Lives Insured or its licensed source. All rights of Lives Insured in such Intellectual Property Rights are hereby reserved.

Unless otherwise specified, the products and services described in this website are available only to UK residents (excluding the Channel Islands and Isle of Man). The information on this Web Site is not directed at anyone other than UK residents and applications from others will, unless otherwise stated, not be accepted. Lives Insured makes no representation that any product or service referred to on the website are appropriate for use, or available in other locations. The information and other materials contained in this website may not satisfy the laws of any other country and those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable. The phone numbers provided only apply to phone calls made from within the UK.

These Terms and Conditions and any terms and conditions relating to products or services described in this website shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.

Telephone calls using the telephone numbers provided on this website and email correspondence with Lives Insured at the email addresses accessible through, or discernible from, this website may be recorded or monitored. By using such communication methods you are consenting to the recording or monitoring of the same.

If you apply for any product or service detailed on this website, these Terms and Conditions should be read in conjunction with any other terms and conditions which relate to any such product or service and, in the event of any contradiction between these Terms and Conditions and the specific terms and conditions relating to such product or service, the latter shall prevail. For the purposes of these Terms and Conditions, product(s) and service(s) shall include, without limitation, any insurance or financial service.

The images, logos and names on this website which identify Lives Insured or third parties and their products and services are proprietary marks of Lives Insured or the relevant third parties. Nothing contained in this website shall be deemed to confer on any person any licence or right on the part of Lives Insured or any third party with respect to any such image, logo or name.

We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the website terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions from time to time and a copy of any terms and conditions relating to any product or service which you apply for online, together with any related application form completed and submitted. Any amendment to terms and conditions must be agreed in writing by us, or, if appropriate, by the relevant company with whom you contract.