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Compare some of the UK’s top life insurance providers to help you get great deals.
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A few things you’d like to clear up first? Maybe you’re not sure why it’s worth comparing your life insurance, how long it will take or what cover you need?
Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on your life insurance.
This should not be constructed as advice and is guidance only.
What is life insurance?
At its simplest, life insurance is designed to pay out a sum of money to your loved ones in the event of your death. This is to give you peace of mind that basics such as your mortgage, child care costs and even funeral expenses, are taken care of when you’re not around.
We’ll help you find the type of life insurance cover that’s right for you. If you get stuck or confused at any point, we have LifeSearch on hand to help answer any questions you may have. They are one of the UK’s most awarded-life insurance specialists, providing free, impartial advice about choosing a life insurance product and provider.
Is life insurance the same as critical illness cover?
Life insurance and critical illness cover are not the same. Life insurance is designed to help loved ones after your death, whereas critical illness cover pays a lump sum to you if you are diagnosed with a named illness.
Although these are different types of cover, some insurers include critical illness cover as an optional extra in their life insurance policies. If you feel that critical illness cover could be valuable to you, you can indicate to search for policies which include it when comparing life insurance policies with us.
What types of life insurance are available?
Although it can appear confusing at first, broadly speaking there are two main types of life insurance cover:
Level-Term insurance, which means your cover is for a particular period of time (5,10,15 years etc). If something was to happen after this time, then you wouldn’t be covered by the policy.
Decreasing cover insurance, which is designed for people whose protection needs will decrease over time. For example, if you are paying off your mortgage, the amount you owe on that mortgage will decrease. So, the cover amount you might need in the event of your death will reduce.
Deciding which is right for you will, of course, depend on your own circumstances.
How much cover will I need?
Deciding on how long you’re wanting life insurance cover solely depends on your personal circumstances. If you are struggling to figure out how much cover you wish to take out, you may find consulting a financial advisor or using a life insurance calculator useful.
Some people decide on paying for life insurance cover up until their children finish university. It purely depends on your personal situation and circumstances.
Who should think about getting life insurance?
Less than a third of adults with children in the UK have life insurance (just 1 in 5 families). Those with loans, mortgages and financial dependents should consider getting a policy. Although it’s common to get a new policy after a major life event (new baby, moving house), it might be a good idea to buy when you’re young and healthy as the premiums could be cheaper.
How much does life insurance cost?
Some life insurance policies can be as little as £5 per month but the quoted price will always depend on your individual needs and circumstances. If you’re a homeowner, your policy isn’t tied to your mortgage, so it’s still worth comparing your options to see if you can save on an existing policy.
The quote that insurers give you for life insurance is influenced by your general health, lifestyle factors and things that can impact your life expectancy. This is because insurers are more likely to have to pay out if you have a short life expectancy, and so they charge you more to make up for the money they are likely to lose paying out.
This means that in order to get a life insurance quote, you will likely need to provide the insurer with some lifestyle details, such as whether you smoke or not, as well as your age, occupation and details of your medical history.