I really can't speak highly enough about policyadvisor.com and Jiten Puri as an agent. I had been putting upgrading my life insurance on the long finger for quite a while and I have had bad experiences in the past with brokers trying to guilt me into ever more expensive cover. It was the absolute opposite with Jiten. I was initially skeptical as I had literally chosen the site off a google search but the more I asked and the more frank answers I got, the more transparent the whole process seemed. He talked me through the various options, strategies and deals on offer and more importantly clearly explained the criteria for preferred cover (approx 10% reduction in premium if you meet certain health criteria). This meant that I was aware of the blood pressure criteria going into the physical exam and I actually ended up asking for repeated measurements and finally got a reading I was happy with. Jiten then negotiated with them and as my BP result was just on their cut off to give me the preferred rates, they granted it to me. 10% off you premiums for the next 30 years comes to a quite a bit! Everything was dealt with really efficiently and communication was better than any service provider I have had in the past, in insurance or otherwise. All in all, Jiten was pleasant, friendly, helpful and above all trustworthy. I would highly highly recommend.