How much life cover should you have?
Plug in your commitments to understand what cover's good for you
Any mortgage left to pay?
How much have you left on any current mortgages in your name?
Loans, credit cards & other debts
Total up all the non-mortgage debt you have: loans, credit cards, overdrafts and any other borrowing
Potential funeral costs
The average UK funeral costs between £4,000 and £5,000. If you have expensive tastes or a massive family, it may be more. Worth thinking about.
Childcare, school or higher education costs
You’ll know your childcare, private school or tuition fee obligations. But did you know it costs roughly £1,500 - £2,500 per year to fund one child through state school? There’s sports, activities, after school clubs, uniforms, travel expenses, technology (such as a laptop or iPad) to consider.
Additional lump sum
Life insurance covers your obligations and debt. A lump sum on top offers extra comfort and options for your family after you’ve gone
Existing life insurance, savings & investments
Total up any savings, investments and life insurance policies that you intend to keep. When you die your savings go towards your debt anyway - so it’s important you’re not ‘over-insured’. That’s just a waste of money.
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Insurers rely on the information you provide to give you the most accurate quote – so to avoid any future issues, such as not paying out or even potential cancellation of your policy, please answer all questions as accurately as you can.
If you need help, you can speak to an expert LifeSearch adviser. Just call us on 0203 764 0292. We’re here 7 days a week.
We're about to ask about work, play and the life you love. We’d ask that you please answer all questions as accurately as you can. Inconsistencies could force cancellation of your policy, or lead to it not paying out in future.
One other thing, you don’t need to tell us about any predictive genetic tests unless this application, together with any existing cover, exceeds £500,000 of life insurance. If your cover is over that, you only need to tell us about predictive genetic tests for Huntington’s disease.
This step is slightly longer than the others as it involves your health. Steps 4 and 5 won't take as long, then you will see your quotes.
Let’s talk family history. Don’t worry – if you aren’t sure, just select ‘Don’t Know’.
Once again, you don’t need to tell us about any predictive genetic tests unless this application, together with any existing cover, exceeds £500,000 of life insurance.
If your cover is over that, you only need to tell us about predictive genetic tests for Huntington’s disease.
Based on your answers so far, we can show you some policy estimates.
Before that, we just need to check you're OK on the marketing preferences front.
Changing these important answers will mean you'll need to answer the rest of process again.