Compare life insurance quotes to find the one that's right for you and your family!
There are two types of life insurance policies - term life insurance and whole of life insurance. The most popular and cheaper of the two is term life insurance, which covers you for between five and 70 years. If you pass away within the policy term, your loved ones get a lump sum. Whole of life insurance lasts your whole life so your family get a guaranteed lump sum. The policy only ends when you pass away, so the monthly premiums are more expensive.
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You should consider a life insurance policy if you have children or loved ones who are financially dependent on you.
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You may be interested in: Income protection, it pays you a monthly income if you get sick or injured and can’t work. Serious illness cover, gives you a lump sum if you’re diagnosed with a serious illness like cancer.
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Have a think about how much: Is left to pay off on your mortgage Other debts you need to pay off, like credit cards and loans Money you’d need for childcare or education Money your family may need to cover your funeral.
What is covered? Life insurance pays out if: You pass away If you’re diagnosed with a terminal illness with a life expectancy less than 12 months, you’ll receive the pay out. What’s not covered? Life insurance may not pay out if: Your policy has expired You stop paying your premiums You take your own life You’re not honest on your application
This is up to you and depends on your circumstances. You can choose a term from five years up to your whole life.
In short Yes. If your circumstances change, you change the amount your family would get. Likewise, if you and partner share a joint life insurance policy and you split, you can separate the plan. You can also choose to add indexation to your plan. Indexation protects you against rises in the cost of living, so your family will get the right amount of money in line with inflation.
Term life insurance covers you for between 5 and 70 years. It pays out a lump sum to your loved ones if you pass away within the policy term. If you’re buying a home, you can get term life insurance to cover your mortgage. If you die before it’s paid it off, the policy pays off the remaining amount. So your family can keep their home and not have to worry about the repayments. Whole of life insurance lasts your whole life. The policy ends when you pass away, so your family get a guaranteed lump sum. This also means that the monthly premiums are more expensive. Consider whole of life insurance if you need: Peace of mind that your loved ones will get a guaranteed payout when you die To help your family from overpaying on inheritance tax Currently, if your estate is over £325,000, inheritance tax is 40% of its value (gov.uk). If you take out whole of life and write your policy into a trust, you won’t need to pay inheritance tax on it.
"Life Insurance Cover has provided peace of mind and financial security for me and my loved ones. ”
"Excellent advisory service. Advisor was particularly helpful and proactive in finding us suitable cover.”
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"Excellent service.everything simply explained first class advice and choice of options.”
"Peace of mind knowing my family members won't have to pay out anything when I am gone.”
