Price Match Promise
At Apex, once we know what your needs are, we will recommend a policy that suits you. We are committed to providing you with the most competitive premiums we can provide based on your needs.
The Price Match Promise
If you receive a lower quote for an identical Income Protection policy with the same insurer, from another UK-regulated broker, we aim to match it.* We achieve this by sacrificing a portion of our own commission to lower your monthly cost, ensuring you benefit from our advice as well as the most competitive cost.
*Subject to Terms & Conditions below.
"Cost" isn't all that matters, so how can "advice" help you?
How long your employer will pay if you're off work because of illness or accident means you can pay a lower monthly cost in line with your affordability, and if you have any savings to use, this can help as well. Whether the benefit increases if it's paid for a number of years is an important point to think about, but this can mean you'll pay slightly more. We'll help you think about all of this and then recommend what's right for you. Insurers will check all of your income if you make a claim, and if you're getting too much elsewhere, they might not pay the whole benefit on your policy.
Terms, Conditions & Exclusions
The following conditions apply to our promise:
Identical Comparison
The quote must be for the exact same insurer, benefit amount, waiting (deferral) period, payout term, and definition of incapacity (e.g., "Own Occupation").
Evidence of Quote
You must provide a valid, written quote or a link to a live offer dated within the last 14 days.
Pre-Underwriting Rates
We match "standard" base rates. If ours or a competitor's quote is lower simply because your specific medical history or lifestyle hasn't been considered, a direct match may not be possible until both insurers have provided a final decision.
Fair costs and pricing
We reserve the right to decline a price match if the required commission sacrifice would prevent us from covering the normal operational costs of providing your advice and service.
UK-Regulated Only
This offer applies only to quotes from brokers regulated by the Financial Conduct Authority (FCA).