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Terms and Conditions
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Life Insurance Terms & Conditions
Last Updated: October 2026
These Terms and Conditions ("Terms") govern your use of the DealHelper website at https://dealhelper.co.uk/ and associated landing pages, including https://offers.dealhelper.co.uk/ (collectively, the "Website"), operated by Impact Growth Marketing Ltd ("we", "our" or "us").
Please read these Terms carefully before using the Website. By using the Website, you agree to be legally bound by these Terms, subject to your statutory rights. If you do not agree to these Terms, you should not use the Website.
1. About Us
1.1 This Website is operated by Impact Growth Marketing Ltd, a company registered in England and Wales under company number 10111420.
Registered Office:
59 Gloucester Road
Exeter, Devon
EX4 2EE
United Kingdom
1.2 DealHelper (dealhelper.co.uk) is a trading name of Impact Growth Marketing Ltd. We operate a lead generation and comparison website introducing consumers to third-party service providers, including FCA-authorised insurance brokers.
1.3 Impact Growth Marketing Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide regulated financial advice, insurance recommendations, underwriting or insurance policies.
1.4 Any regulated insurance advice, policy recommendations or arrangements are provided by appropriately FCA-authorised third-party insurance brokers or insurers.
2. Our Services
2.1 We provide a free online insurance enquiry and introduction service. By submitting your details through our Website, you request to be contacted by one of our FCA-authorised insurance broker partners regarding life insurance products and quotations.
2.2 Our service allows you to request information about life insurance policies that may be suitable for your circumstances. We do not personally assess your insurance needs, provide financial advice or recommend any particular insurance provider or policy.
2.3 Your enquiry and relevant personal information may be securely passed to our authorised insurance broker partner:
Better Health Insurance Advice Ltd
FCA Registration Number: 595297
Better Health Insurance Advice Ltd is authorised and regulated by the Financial Conduct Authority and may contact you by telephone, email, SMS or other permitted communication methods in response to your enquiry.
2.4 Our broker partners are responsible for discussing your insurance requirements, providing quotations, explaining policy terms, arranging insurance where appropriate and ensuring that regulated advice and services comply with applicable FCA requirements.
2.5 We may receive a commission or introduction fee from our broker partners when we refer your enquiry. You will not be charged by DealHelper for submitting an enquiry or using our introduction service.
2.6 Submitting an enquiry does not guarantee that you will be offered insurance, accepted for cover or receive any particular premium, benefit or policy terms.
2.7 Insurance eligibility, premiums, policy terms and available cover are determined by the relevant insurance provider or authorised broker and may depend on factors including age, health, medical history, smoking status, occupation, lifestyle, policy duration and the amount of cover requested.
2.8 We do not administer, monitor or review insurance policies after they have been arranged. Any ongoing policy servicing, claims assistance, cancellations or amendments are the responsibility of the relevant insurer or authorised broker.
2.9 DealHelper may also introduce consumers to third-party providers offering other services, including health insurance, mortgages, equity release and home improvements, where those services have been requested.
3. Data Use & Privacy
3.1 We are committed to protecting your personal information and processing it in accordance with applicable UK data protection laws.
3.2 For details of how we collect, use, store and share your personal information, please refer to our:
Cookie Statement, available on the DealHelper Website.
3.3 By submitting an enquiry, you acknowledge that the information required to respond to your enquiry may be shared with relevant FCA-authorised insurance broker partners in accordance with our Privacy Policy.
3.4 Consent for direct marketing communications is managed separately where required by applicable data protection and electronic marketing laws, including UK GDPR and PECR.
3.5 We work with Contact State to verify that enquiries submitted through our Website are genuine and to support transparency in our lead generation activities.
This may involve processing website session information, browser information and other verification data, as explained in the "We Work With Contact State" section of our Privacy Policy.
3.6 Where an authorised insurance broker receives your enquiry and acts as an independent data controller, its own privacy policy will apply to its subsequent processing of your personal data.
4. Accuracy of Information
4.1 You must ensure that all information submitted through our Website is accurate, truthful and complete to the best of your knowledge.
4.2 Providing incorrect, incomplete or misleading information may result in inaccurate quotations, delays, declined applications or issues with insurance cover.
4.3 When applying for life insurance, you may be required to disclose information about your health, medical history, smoking status, occupation and other relevant circumstances directly to the authorised broker or insurer.
4.4 You must answer the insurer's questions honestly and with reasonable care. Failure to take reasonable care not to make a misrepresentation may affect the validity of your insurance policy or the payment of a future claim, subject to applicable law.
4.5 We are not responsible for inaccuracies resulting from incorrect or incomplete information that you provide, except to the extent that liability cannot lawfully be excluded.
5. Intellectual Property
5.1 All content, design, text, graphics, logos, software and other materials displayed on the Website are owned by Impact Growth Marketing Ltd or its respective licensors, unless otherwise stated.
5.2 You may view, download and print Website content for your personal, non-commercial use.
5.3 You must not reproduce, distribute, modify, republish or commercially exploit Website content without our prior written permission, except where permitted by law.
6. Website Access and Availability
6.1 We aim to maintain a reliable and accessible Website but cannot guarantee uninterrupted availability.
6.2 We may suspend, update, restrict or withdraw access to the Website where reasonably necessary for maintenance, technical, security or operational reasons.
6.3 While we take reasonable steps to maintain Website security, we cannot guarantee that the Website will always be free from viruses, malware or other technological threats.
6.4 You are responsible for maintaining appropriate security measures on the devices and networks used to access our Website.
6.5 Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded.
7. Prohibited Use
7.1 You must not use the Website for any unlawful, fraudulent or unauthorised purpose.
7.2 Prohibited activities include:
Submitting false, fraudulent or misleading enquiries.
Attempting to gain unauthorised access to our systems or data.
Introducing viruses, malware or other harmful technologies.
Interfering with the Website's operation or security.
Using automated systems to submit unauthorised or fraudulent enquiries.
Reproducing or exploiting Website content without appropriate permission.
Using the Website in a way that infringes the rights of others.
7.3 We reserve the right to restrict access to the Website where we reasonably believe these Terms have been breached.
8. External Links
8.1 Our Website may contain links to third-party websites, including insurance brokers, insurers, service providers and other external organisations.
8.2 These websites operate independently and may have their own privacy policies, terms of use and regulatory obligations.
8.3 We are not responsible for the content, availability or operation of third-party websites that are outside our control.
8.4 Links to third-party websites do not necessarily constitute an endorsement of their products or services.
8.5 Any insurance policy purchased or arranged through an authorised broker or insurer will be subject to the terms and conditions of that broker or insurer.
9. Complaints
9.1 If you wish to make a complaint about the DealHelper Website, our introduction service or how we have handled your enquiry, please contact:
Email: admin@dealhelper.co.uk
Phone: 01392 793 888
Post:
Impact Growth Marketing Ltd
DealHelper
59 Gloucester Road
Exeter, Devon
EX4 2EE
United Kingdom
9.2 We aim to investigate complaints fairly and respond within a reasonable timeframe.
9.3 If your complaint concerns regulated insurance advice, an insurance recommendation, policy arrangements, underwriting or claims handling, you should contact the relevant FCA-authorised insurance broker or insurer directly.
9.4 Eligible complaints about FCA-regulated activities may be referred to the Financial Ombudsman Service where applicable, subject to its eligibility and jurisdiction requirements.
Financial Ombudsman Service
Website: https://www.financial-ombudsman.org.uk/
Phone: 0800 023 4567 or 0300 123 9123
9.5 Impact Growth Marketing Ltd is not FCA-authorised. Complaints about our unregulated lead introduction service do not automatically fall within the jurisdiction of the Financial Ombudsman Service.
9.6 Complaints relating to personal data processing may also be referred to the Information Commissioner's Office (ICO), as explained in our Privacy Policy.
10. Liability
10.1 DealHelper provides an introduction service only and does not act as an insurer, underwriter or FCA-authorised insurance adviser.
10.2 We do not guarantee the availability, price, suitability, acceptance or performance of any insurance product offered by third-party brokers or insurers.
10.3 The relevant authorised broker or insurer is responsible for the advice, quotations, policies and regulated services it provides.
10.4 To the extent permitted by applicable law, we are not responsible for losses resulting solely from the actions, omissions or decisions of independent third-party brokers or insurers that are outside our control.
10.5 We are not liable for indirect or consequential losses arising from use of the Website to the extent such liability may lawfully be excluded.
10.6 Nothing in these Terms excludes or limits liability for:
Death or personal injury caused by our negligence.
Fraud or fraudulent misrepresentation.
Breach of any statutory obligation or consumer right that cannot lawfully be excluded.
Any other liability that cannot legally be excluded or restricted.
10.7 These Terms do not affect your statutory rights as a consumer.
11. Governing Law
11.1 These Terms are governed by the laws of England and Wales.
11.2 Disputes arising from the use of the Website will be subject to the jurisdiction of the courts of England and Wales, except where applicable consumer protection laws provide otherwise.
11.3 Nothing in these Terms removes any mandatory legal rights or protections available to consumers.
12. Changes to These Terms
12.1 We may update these Terms and Conditions periodically to reflect changes to our services, business operations, legal requirements or regulatory obligations.
12.2 The latest version will be published on this page with an updated revision date.
12.3 Any changes will apply prospectively from the date of publication unless otherwise stated.
12.4 By continuing to use the Website following publication of updated Terms, you agree to the revised Terms to the extent permitted by applicable law.
13. Life Insurance Advertised Pricing & Disclaimers
13.1 Life Insurance Deals From £3.46 Per Week*
Where DealHelper advertises life insurance deals from £3.46 per week, the following illustrative pricing information applies:
Life Insurance deals from £3.46 per week*
*£320,500 of life cover from £15 per month (£3.46 per week).
Example shown is based on a 35-year-old male, non-smoker, 25-year term, £15 per month, level term cover.
Benefits for Comparison:
| Age | Sum Assured |
|---|---|
| 20 years old | £828,000 |
| 25 years old | £688,000 |
| 30 years old | £518,750 |
| 35 years old | £320,500 |
Rates correct: April 2025.
13.2 Important Pricing Information
13.2.1 The above figures are illustrative examples only and are not guaranteed quotations or offers of insurance.
13.2.2 The stated sums assured represent the amount of life insurance cover available under the relevant illustrative quotations. They do not represent guaranteed payments to customers or policyholders.
13.2.3 Actual premiums and the amount of cover available will depend on individual circumstances, including age, health, medical history, smoking status, occupation, lifestyle, policy term, underwriting and insurer eligibility criteria.
13.2.4 Level term life insurance generally provides a fixed sum assured for a specified policy term, subject to the policy's conditions. Cover ordinarily ends when the policy term expires, unless otherwise provided by the policy.
13.2.5 Life insurance policies are subject to individual insurer terms, conditions, exclusions and eligibility requirements. Cover is not guaranteed, and applications may be accepted, declined or offered on different terms.
13.2.6 Life insurance typically has no cash-in value. If you stop paying premiums, your cover may end in accordance with the policy terms.
13.2.7 The quoted premiums and cover amounts are based on illustrative pricing dated April 2025. Current quotations may differ and should be confirmed with an FCA-authorised insurance broker before making any purchase decision.
13.2.8 DealHelper does not provide insurance quotations directly, underwrite insurance policies or make regulated product recommendations. Any personalised quotations or advice will be provided by an appropriately authorised broker.
13.2.9 We reserve the right to update or withdraw advertised pricing examples when underlying insurer pricing, eligibility requirements or product availability changes.
If you have any questions about these Terms and Conditions, please contact us at:
Impact Growth Marketing Ltd
Trading as DealHelper
59 Gloucester Road
Exeter, Devon
EX4 2EE
United Kingdom