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What is Life Insurance?

Life insurance is essentially a contract between an insurance company and a policyholder where an insurer guarantees to pay an amount of money upon the death of an insured person so long as the policy holder continues to pay their premiums up to the point a claim is made.

How much Life Insurance cover do I need?

How much cover you need will depend on a few factors – things like how much your dependants rely on you income, outstanding mortgage amount, other large loans.

For help understanding how much insurance you should buy for your family, give one of our insurance specialists a call on 0333 722 1284.

Family cover or Mortgage cover?

If you’re looking to leave money if the worst were to happen, for your children until they are no longer dependant on your income or partner until you retire then family cover may be a good option. If you have a repayment mortgage, then mortgage cover which is aimed to decrease in line with a mortgage could be what you’re looking for.

Do I need critical illness?

Critical illness cover is designed to pay out a lump sum upon diagnosis of a serious medical condition and each insurer has a specified list of what they cover. You can add critical illness to life cover. To ensure the cover you get is right for you, it may be worth getting some help to walk through the options. Give one of our team a call on 0333 722 1284.

How much does Life Insurance cost?

Life insurance premiums are set based on your individual circumstances, so depend on a few factors including:

  • Your age
  • How much you want and how long for
  • Whether you smoke, or have given up very recently
  • Your health
  • Your job

Breaking the myths!

It’s commonly said that insurers don’t pay out claims or try to get out of paying claims which really isn’t true. So long as you give accurate and true information about your health and lifestyle, your policy will pay out. According to the ABI (Association of British Insurers) £5.7 billion was paid out in 2019 by insurance companies, with 98.3% of claims being paid.