I am so grateful to Nick for his professionalism and no nonsense approach to the minefield that is over 50's insurance. Especially for highlighting the pitfalls I may have fallen into. I explained what I required and what I didn't want and he navigated me through with ease the options available to me with clear explanations and was always on hand to answer my many questions. I am so happy they won best customer service award..it is so very well deserved. Thank you Nick. I will recommend you without hesitation to my colleagues and friends who many have found themselves in the same boat as myself regarding increasing life insurance premiums.