On 28 July 2008 we made changes to some of our personal protection and business protection rates

The covers affected on the Personal Protection Menu are:

• Level, decreasing and mortgage guarantee Life or Critical Illness Cover on guaranteed rates.

And the covers affected on the Business Protection Menu are:

• Level and decreasing Life or Critical Illness Cover on guaranteed rates.

To quote and apply online for personal protection or to quote for business protection click on the link above and either login or register.

We are also running a special promotion on the Business Protection Menu where clients will receive a 5% discount on all the following covers (excluding the plan fee) Life Cover, Life or Critical Illness Cover and Critical Illness Cover quoted for between 28 July and 31 October 2008 and received before the ‘valid to’ date.

For every Business Protection Menu application submitted between 28 July and 31 October 2008 the adviser will be entered into a prize draw to win one of two laptops. For full details, please see www.brightadviser.co.uk

Pipeline business

All existing quotes are valid for 30 days and we will apply old rates where we:

• Receive the application and a copy of the quote created before 28 July 2008.
• Receive these on or before the 'valid to' date shown on the quote.
• Underwrite, complete and start the plan on or by 25 November 2008. After this date our new rates will apply to all new and existing applications.

Thank you for your continued support.