Author:Andrew Richardson

Read:8 mins

Review of Fortify Life Insurance

Fortify Life Insurance offers instant coverage with no medical underwriting and applicants only have to answer 11 questions. Policies begin at as little as £5 per month.

Fortify Insurance offers Level Term and Decreasing Term. Their cover amounts are limited by the age of the applicant.

In 2015 Fortify had a 98% claims payout rate. They partner with and are underwritten by Covéa Life.

Click Here For A Quote From Fortify Life Insurance >>

Pros
  • Online application, no paperwork
  • Quick, free quotes
  • No medical or blood test required
Cons

How User-Friendly is Fortify’s Insurance Buying Process?

At Fortify, purchasing an insurance policy is quite straightforward and devoid of unnecessary complexities. Navigating their platform feels like a walk in the park – enough to make even the not-so-tech-savvy individuals enjoy the insurance buying process.

Their intuitive and well-structured interface sheds plenty of light on their array of insurance offerings, so you clearly understand what you’re getting into before making a final decision. It’s apparent that Fortify has invested a decent chunk of resources into creating a delightful purchasing experience for potential policyholders.

Fortify Insurance Pricing: Value for Money?

In the financial world, there’s often a correlation between the price for a service and the value it provides. Fortify, however, turns this notion on its head by offering top-tier insurance services that beat many competitors’ offerings, all at surprisingly reasonable rates.

Admittedly, pricing structures can be complex and vary across different parameters. Yet, Fortify manages to maintain an impressive level of transparency in its quotes. The overall consensus among customers is that they get good value for their money.

Understanding Fortify’s Insurance Policy Terms

Understanding an insurance policy’s clauses can sometimes feel like trying to decode an ancient language. Not at Fortify. They go to great lengths to simplify their policies into plain language, making it easy for the average customer to understand.

Dispelling the air of ambiguity that typically cloaks policy terminologies and conditions, Fortify documents are comprehensible even to insurance neophytes. It’s clear that a key part of their mission is making insurance language as approachable as chatting with a good friend over coffee.

A Look into Fortify’s Insurance Customer Service

Fortify’s customer service department isn’t just a department, it’s the backbone of their organisation. Their personnel is not only well trained but also brims with empathy and patience – the kind of customer service that leaves a lasting impression.

Queries, complaints, and concerns are handled with the utmost priority. They treat every interaction as an opportunity to reinforce their commitment to providing unparalleled service experiences. Given this approach, it’s easy to see why so many customers can’t stop singing their praises.

Fortify’s Claims Process: Fast and Fair?

Few things can be more frustrating than dealing with a slow and circuitous claims process. Fortify understands this and has crafted a claims process that is both expedient and fair. It’s all about making life easier for the policyholder after a loss.

Their claims department moves swiftly, guided by the principle of honesty. They strive to evaluate each claim rigorously yet promptly, ensuring fair compensation without unnecessary delays. This has won trust among customers who, as a result, feel secure that Fortify performs judiciously in their hour of need.

Customer Opinions on Fortify Insurance Products

If we interpret the voice of customers as indicative of a company’s credibility, then Fortify has earned its stripes. The majority of customers echo positive sentiments about their insurance products, citing their versatility and adaptability to unique needs.

What particularly stands out is the customers’ assurance that Fortify’s policies have their interests at heart. For many, it’s not just about having an insurance policy; it’s about having a safety net that responds well to their circumstances and financial capacity.

The Strengths and Weaknesses of Fortify Insurance

Though Fortify offers exceptional service, they aren’t without their hit-and-miss. Among their strengths are user-friendly purchasing processes, value-driven pricing, simplified policy terms, stellar customer service, and a swift claims process.

As for their weaknesses, some customers argue they could do more in terms of wider coverage options. Still, the strengths notably outweigh the weaknesses, proving Fortify as a viable insurance solution for a vast expanse of customers.

The Coverage You Get with Fortify Insurance

Fortify’s coverage spectrum is reasonably broad, encompassing diverse areas such as auto, home, and life insurance. Their policies are varied and customizable, opting for comprehensive over restrictive coverage.

Of course, the degree of coverage changes with each policy and its specific discounts or premiums. Yet, the consistency that underlies all their policies is the tangible sense of protection that customers feel when they go for Fortify insurance.

Insurance Options: Our Honest Breakdown

Fortify Life Insurance offers two Term policy options with cover up to £500,000 depending on the age of the applicant.

Level Term

Fortify Insurance Level Term provides a cash payout in the event of the insurer’s death. It will also pay out if the covered individual is diagnosed with a terminal illness within the cover period.

All cover amounts are fixed from the beginning of the policy and will not change.

Premiums are fixed and remain the same for the life of the policy.

Decreased Term with Fortify Life Insurance

Fortify Insurance also offers a Decreasing Term policy, also known as a Mortgage Term. It is an ideal insurance policy when your mortgage payments are your main priority should you pass away.

This cover also provides a payout should you die within the policy period and has the same terminal illness payout upon diagnosis.

With Mortgage Term, the cover amount decreases each month. This decrease should be somewhat similar to the decrease in the amount of mortgage outstanding.

The premiums are calculated and remain the same from the outset of the Fortify insurance policy.

Click here to get your personalised quote today!

How Fortify Insurance Stands Against Major Competitors

In the insurance arena, Fortify is not just another participant; it’s a trendsetter. It holds its own against major competitors, showcasing potent characteristics like affordability, transparency, and customer-centric policies that elevate it over many rivals.

That’s not to say they don’t have stiff competition; the insurance sphere is notorious for its cut-throat competition. Still, Fortify has managed to carve out a loyal customer base that sees it as a worthy contender among leading insurers.

Is Fortify Insurance Worth the Investment?

Quid pro quo – that’s the fundamental basis of any business transaction. You give something to get something in return. The question, therefore, is – does Fortify deliver a suitable return on your investment?

Aided by accessible pricing, commendable policies, and top-notch customer service, Fortify has established a reputation as a worthwhile investment for many customers. They’ve made sure that every penny spent translates into significant value, making them a wise pick in the crowded insurance market.

Frequently Asked Questions(FAQ)

What coverage areas does Fortify Insurance offer?

Fortify Insurance offers a wide coverage spectrum, including areas such as auto, home, and life insurance.

How does Fortify’s claims process work?

Fortify has crafted a claims process that’s not only quick but also fair. They evaluate each claim rigorously to ensure fair compensation without any unnecessary delay.

Is Fortify’s insurance buying process user-friendly?

Yes, Fortify has developed an intuitive platform, simplifying the buying process greatly and making it enjoyable even for those less comfortable with technology.

What is the quality of Fortify’s insurance customer service?

Fortify has a stellar customer service department characterized by well-trained and patient staff. They handle all customer issues with urgency and empathy.

Are Fortify insurance products good value for money?

Fortify offers premium insurance solutions at reasonable rates, giving customers an impression of getting good value for their money.

Conclusion: Fortify Life Insurance

Fortify Insurance Solutions is limited in what its policies offer. But they do boast on their website that big plans for the future of their company. Right now the speed of service is what they have going for them.

Fortify Insurance also offer these other services:

  • Income Protection: is an insurance product designed to help the insured if they are unable to work. It will provide them with a tax-free sum up to 70 percent of their annual income.
  • Travel Insurance: offers protection if you are abroad and have a medical mishap and need to be returned home via air ambulance. It covers single trips, cruises, and even a yearly plan if you are a regular traveller.
  • Car Hire Excess Insurance: will help when you are driving a rental and have an accident. It is an add-on to your normal insurance and designed to help with unexpected and excess charges that could arise.

Why wait? Click here to receive your free life insurance quote now.

This was a Fortify Life Insurance review where we outlined all the relevant aspects of the company. If you believe it might be of interest to you, don’t hesitate to receive your free instant quote now.

Andrew Richardson is a highly respected expert in UK life insurance, with over 25 years of industry experience. Holding an honours degree from the London School of Economics and being a Fellow of the Chartered Insurance Institute, Andrew has made significant contributions to the field, including developing ground-breaking life insurance products. Known for his ability to simplify complex life insurance concepts, he regularly shares his insights through articles and workshops, empowering people to make informed decisions about their life insurance needs. His commitment to client service, education, and staying at the forefront of industry advancements solidifies his reputation as a trusted and leading figure in UK life insurance.

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About Andrew Richardson

Andrew Richardson, an accomplished expert in UK life insurance, brings to the table a wealth of knowledge amassed over 25 years in the industry. Andrew holds an honours degree in Business and Finance from the London School of Economics and is a Fellow of the Chartered Insurance Institute. He has dedicated his career to ensuring his clients receive the best possible advice and solutions to safeguard their futures.

Embarking on his career in London’s bustling finance district, Andrew’s unique ability to unravel and simplify the complexities of life insurance policies became evident. This skill, coupled with his intuitive understanding of market dynamics, led him to hold high-ranking positions in some of the country’s most well-respected insurance firms.

Renowned for his industry-leading expertise, Andrew has shared his valuable insights through articles in prestigious publications such as The Economist, The Telegraph, and the Financial Times. He has significantly contributed to shaping public understanding of life insurance by presenting complex information in an accessible and digestible format.

Notably, as a former Director of Life Insurance Products at a top insurance company, Andrew played a key role in the development and launch of ground-breaking life insurance products. These innovative policies have since become industry standards, demonstrating the significant impact of Andrew’s work.

Andrew’s commitment to educating the public on life insurance doesn’t stop at his writing. He frequently conducts workshops and seminars throughout the UK, empowering individuals to make informed decisions about their life insurance plans. His ability to present complex information in a clear, easy-to-understand manner has made these sessions highly sought after.

Beyond his professional achievements, Andrew actively utilises his expertise to support charitable causes, offering his knowledge of life insurance to help non-profit organisations secure their financial futures.

Always at the cutting edge of industry advancements, Andrew continually upgrades his knowledge, ensuring he offers the most current, relevant, and reliable advice to his clients. His unwavering dedication to professional growth has cemented his status as an industry leader in life insurance.

Andrew Richardson is more than just an insurance expert; he is a trusted advisor, a visionary product developer, and an invaluable asset to anyone seeking guidance on their life insurance needs. His deep knowledge, innovative spirit, and tireless commitment to client service make him an irreplaceable figure in the UK’s life insurance landscape.

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Meet our authors

Amelia Thompson

Dr. Amelia Thompson is an esteemed expert in UK health insurance, with a career spanning over 25 years. A Cambridge graduate in Medicine and a Master's holder in Health Policy from the University of London, Amelia has made significant contributions to the field, notably in the development of consumer-focused health insurance products. Renowned for her ability to simplify complex concepts, she frequently shares her insights in leading publications and educational seminars. Her commitment to ethical practice, client service, and industry advancement makes her a trusted and influential figure in UK health insurance.

Andrew Richardson

Andrew Richardson is a highly respected expert in UK life insurance, with over 25 years of industry experience. Holding an honours degree from the London School of Economics and being a Fellow of the Chartered Insurance Institute, Andrew has made significant contributions to the field, including developing ground-breaking life insurance products. Known for his ability to simplify complex life insurance concepts, he regularly shares his insights through articles and workshops, empowering people to make informed decisions about their life insurance needs. His commitment to client service, education, and staying at the forefront of industry advancements solidifies his reputation as a trusted and leading figure in UK life insurance.

Benjamin Turner

Benjamin Turner is a highly regarded expert in UK funeral insurance, boasting a professional career that spans over 20 years. A University of Manchester graduate and a distinguished member of the Chartered Insurance Institute, Benjamin has significantly contributed to the field, notably in the creation of comprehensive funeral insurance products. Renowned for his ability to clarify complex concepts, he frequently shares his insights in leading publications and workshops. His commitment to client service, ethical practice, and industry advancement makes him a trusted figure in the UK funeral insurance landscape.

Jonathan Harvey

Jonathan Harvey is a distinguished expert with over twenty years' experience in the UK's life, health, and funeral insurance sectors. A Cambridge graduate and Fellow of the Chartered Insurance Institute, Jonathan has a proven track record in designing innovative insurance policies, and a strong reputation for making complex insurance matters comprehensible for the public. Known for his empathetic approach, he has helped thousands make informed decisions on their future security. Regularly contributing to leading publications and hosting educational workshops, Jonathan's commitment to client service and public education truly sets him apart in the insurance industry.

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