Get a Decision In Principle for your Life Insurance needs.  No one is fully insured. The 'protection gap' is huge for Families, Mortgages, Landlords and Businesses.   Our Life Insurance Decision In Principle service will provide you with an indication of terms and prices, before submitting a full application.  See the indicative prices, terms, possible exclusions and then choose the most suitable life insurance company to submit your application to. 

A 'decision in principle' for life insurance? 
We have all heard of a Decision In Principle (aka Agreement In Principle) ("DIP") for mortgages. This is a process where you seek pre-approval for a mortgage before submitting a full mortgage application. The benefits of a mortgage DIP include that you don't need to send all of your documents in for pre-approval, no valuation fees have been paid, no costs have been laid out and yet the mortgage company carries out their initial checks based on the policy criteria, and you will then know whether you are approved, referred or declined.  
Our Life Insurance Decision In Principle service is based on the same principles. Before you submit a full application to a single insurance company, let us carry out a DIP with a large panel of insurers for you. 
No cost, no obligation, but a simple pre-application check with our life insurance providers, and we can then send to you quotes based on the likely ultimate post-application outcome. 
Who needs life insurance? 
Individuals, couples, families, residential mortgage / loan borrowers, businesses, partnerships, shareholders, Buy To Let mortgage owners, key persons, groups of employees, self employed, parents .... are you in any of these categories? 
.In the last few years, life insurance costs have reduced. Speak to one of our team of Advisers to see if you can get a better premium. But it’s not just about cost, it's crucial that you should also ensure that you keep your cover up to date, too. Many people change their mortgages, but forget to update their policies at the same time. Reviews are fundamental to sound financial planning. 
We recommend that you should review your policy annually to make sure your premiums are still competitive and that you still have the right amount of cover in place. And we are one of the few Adviser Firms who not only have a robust Trust implementation strategy, but we also have a comprehensive guide for Trustees who we like to speak to, or see, to ensure they actually know what they need to do at the time of claim. 
How it works 
We will ask you questions about you, your proposed application, any existing cover you have in place, your occupation and details of your medical history, hazardous hobbies or pursuits and family history. 
The outcome is just an indication and is still subject to a full application and underwriting. 
Please ensure you have these details available as you are unable to save and return. 
Once completed the individual insurers selected will respond with their indication. If you have not received a response after 48 hours please contact us directly on 01206 577 266 
You may need to amend your cover if: 
You've had a(nother) child 
Your job has changed 
You’ve arranged a new or larger mortgage 
You now wish to add in extra benefits such as critical illness cover 
Our team of Advisers are trained, qualified and experienced and are available to help you plan your life cover strategy, whatever your requirements. 
To discuss your life insurance requirements, fill in our contact form below and an Adviser will call you back. 
H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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