Competitive rates from Bright Grey

We continually review our rates to make sure they're competitive, and we can change rates on a daily basis.

Pipeline business

To make sure the application process is as smooth as possible, we guarantee to apply previous rates to applications in your or our pipeline. The rules are:

• Quotes are valid for 30 days, and the 'valid to' date is shown on each quote.
• We must receive the application on or before the 'valid to' date.
• We must underwrite, and issue our decision letter within 90 days of the original quote date.
• We must start the plan within 120 days of the original quote date.

If an application doesn't meet these rules then our new rates will apply. If any applicants pass a birthday or a half birthday then we will revise the rate accordingly.

Use the calculator below to work out when the plan will have to start to get our existing rates.

Enter the 'valid to' date shown on the quote into the calendar on the left and the calculator will tell you the date the plan must start by to get the rates we originally quoted.