initial quotation of ?7. 60. A woman whose mother had breast cancer similarly faced a 50 % loading. Seriously overweight people can also expect loadings of 50% to 100% or even refusal. Faced with a loading what can you do? It's important to appreciate that the insurance companies giving the cheapest initial quote are also likely to have particularly choosey medical criteria. That's how they keep their quoted prices low. So if you're faced with a loading, the best advice is shop around, Try one of the more expensive providers like Friends Provident who are sometimes a bit more lenient. Whilst this may sound overly complicated, remember that over the years, an extra ?10 a month on a 25 year policy represents ?3,000 of your hard earned money. If you don't have the experience or time to do this, and after few of us do, speak to an online life insurance broker. Competition is high on the Internet and online brokers will normally reduce your premium by cutting their commission. Their systems are also well versed in finding alternative providers to alleviate loading problems. So keep things simple. Let your keyboard fingers do the walking and let the online broker do all the hard work!

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