Tell us a bit about you, and we'll search leading UK insurers for the best cover options.
Single or joint policy?
You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.
Do you know what cover you need?
Life cover, income protection, critical illness cover, family income benefit and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.
How much cover do you need?
The amount you need depends on a number of factors such as your mortgage balance, any debts and a lump sum you may want to leave after these are factored in. Don’t worry – if you’re not sure we can advise you.
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Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you.
It all depends on a few things; your health, your age, your smoker status, the amount of cover you're after and maybe even your hobbies. Read more about the average cost of life insurance here.
A term life insurance policy runs for a set period of time, making them cost-effective. Whole-of-life policies, on the other hand, payout whenever you die. Because they can last way into old age, they can be expensive.
Although a life insurance payout is often talked about as a tax-free lump sum, this is true up to a point. If your estate is valued above £325,000 (or £650,000 if you’re married) or the life insurance payout pushes your estate value over the threshold, you might be hit with inheritance tax. Read more about life insurance and tax here.
Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.
You’re unlikely to be entitled to any refund of the premiums you’ve already paid if you cancel your life insurance. You also won’t get your money back if your term ends and you or your beneficiaries haven’t been able to make a claim; in the same way car insurance won’t pay out if you don’t have an accident, or pet insurance doesn’t pay if your pet stays well.