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What is life insurance?
Life insurance is an insurance policy that pays out a lump sum to support your loved ones in the event of your death, giving you peace of mind that they’re financially protected if the worst happens.
How does it work?
There are a lot of things to consider when finding the right life insurance for you. How much cover? Who would receive the money if I were to die? How much will it cost? What happens if the policy ends and I haven't died? What if I'm terminally ill? And so on. We believe that everyone should have access to free expert advice and that's why we're here to help.
Level Term vs Decreasing Term
- Level term will always pay out the same amount if you die during your policy term.
- Decreasing term will pay out gradually less over the term of your policy. It is often taken out to protect a mortgage. (The amount you owe on your mortgage will usually decrease over time too).
How much cover do I need?
How much cover you should take out will depend on what the money would be used for if you were to pass away. Some of the most common uses are:
- Pay off the mortgage
- Pay the rent
- Pay for your funeral
- Pay other bills and living expenses
How much does life insurance cost?
The price will depend upon the type and amount of cover you require as well as you and your lifestyle (age, smoker status, health history, hobbies etc).
When you speak to us, we can help you work out a suitable amount and type of cover.
Alternatively, you can tell us your monthly budget and we can try to find a suitable cover.
Watch Elliot's guide to critical illness insurance on YouTube.