All About Life Insurance

In this guide

• How much does raising a child cost?
• The Early Years and Childcare
• The Teenage Years and Education
• Boys and girls, what’s the difference?

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In this guide

• Can I still get life insurance if I have diabetes?
• How do I apply?
• How much will it cost?
• What if I don’t get a quote?

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In this guide

• What is whole of life insurance?
• What whole of life insurance do I need?
• How much does whole of life insurance cost?
• Other Things to Bear in Mind with Whole of Life Insurance

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• How much over-50s cover can I get?
• What is different about over-50s life insurance?
• Are there any limitations of over-50s insurance?

In this guide

• What is critical illness cover?
• What are the benefits of critical illness cover?
• What are the conditions of critical illness cover?
• Why purchase critical illness cover and life insurance together?

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In this guide

• What is death in service benefit?
• How does the payout work?
• How much is a death in service policy payout worth?
• If I have a death in service policy, does this mean that I don’t need life insurance?
• Can a death in service payout be used for mortgage repayments?
• What are the pros and cons of death in service benefits?

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In this guide

• What are the differences between level term and decreasing term life insurance?
• How much will I pay for my decreasing term life insurance cover?
• How long should my decreasing term life insurance policy be?
• Will decreasing term life insurance work for me?
• Are there any situations where I cannot get decreasing term life insurance?

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In this guide

• What life insurance policy is right for my family?
• How much cover do I need?
• How can I ensure that my family is fully protected?
• Are there any alternatives to family life insurance?
• When should a family life insurance policy be updated?

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In this guide

• Reasons for Cancelling
• How to Cancel Your Policy
• Why You Should Think Carefully Before Cancelling
• Alternatives to Cancelling Your Policy

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In this guide

• How to Prepare For and Make Your Claim
• Receiving your Claim
• Things to Remember
• Possible Complications - Denied and Reduced Claims

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In this guide

• What is level term life insurance?
• What are the benefits?
• What are the downsides?
• Is it right for you?

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In this guide

• What is the average cost of a funeral?
• What do you typically have to pay for?
• How to Pay for Your Funeral
• Keeping Costs Down

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In this guide

• How does inheritance tax affect life insurance payouts?
• How can I avoid paying inheritance tax on my life insurance?
• How can I calculate my inheritance tax?
• Can life insurance be used to pay tax on my estate?

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In this guide

• What is a trust?
• What are the advantages of writing life insurance in trust?
• What are the disadvantages of writing life insurance in trust?
• How do I write my life insurance in trust?

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In this guide

• What is business life insurance?
• Key Person Insurance
• Partnerships
• Relevant Life Cover
• Business Protection Insurance
• Ownership Protection
• Employee Benefits

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In this guide

• Why do I need expat life insurance?
• Are you covered by your current insurance policy?
• Where can I find expat life insurance?
• What is term insurance?
• Death in Service Benefits

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In this guide

• How could smoking affect your life insurance cost?
• Disclosing the Fact that You Smoke to Insurance Providers
• What if you quit smoking?
• Over 50s Life Insurance

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In this guide

• What is mortgage life insurance?
• I’m thinking about taking out mortgage life insurance, what should I consider?
• Why might I need mortgage life insurance?
• What’s the difference between guaranteed and reviewable premiums?
• How much does mortgage life insurance cost?
• Should I take out joint or single insurance?

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In this guide

• How much will life insurance cost me?
• What is single life insurance?
• What is joint life insurance?
• Should I get single or joint life insurance?
• What are the pros and cons of a joint life insurance policy?

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In this guide

• What is term life insurance?
• How does term life insurance work?
• What types of term life insurance are there?
• What if I don’t want my payout to be a lump sum?
• How is term life insurance different from mortgage life insurance?
• What should I keep in mind when taking out term life insurance?
• How can I apply for term life insurance?

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In this guide

• What personal factors affect the cost of life insurance?
• Choosing the Most Cost-Effective Insurance Type
• Joint Insurance Policies
• Put Your Life Insurance Policy in Trust
• Regularly Review Your Policy

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In this guide

• How much do funerals cost and what is a funeral plan?
• What do funeral plans cover?
• Things to Look Out For
• Alternatives to a Funeral Plan

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In this guide

• Life Insurance
• Life Assurance
• Which one is best for you?

In this guide

• What is high risk life insurance?
• What factors make me high risk?
• Providing Accurate Information
• Cheap High Risk Insurance

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In this guide

• Life insurance and pregnancy: do I need it?
• How is life insurance affected by pregnancy?
• How do I apply for life insurance when pregnant?
• What information do I provide regarding my weight?
• Providing Accurate Information

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In this guide

• How much does life insurance cost?
• Which conditions affect the cost of life insurance?
• Are there other factors that affect the cost of life insurance?
• How much cover do I need?
• How can you improve your life insurance estimate?

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In this guide

• Is a medical always necessary for life insurance?
• When might I need a medical?
• How do I keep the cost of life insurance down?
• Important Things to Note on Life Insurance

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In this guide

• What is a pre-existing condition?
• What information must I provide to secure life insurance?
• What kind of life insurance policies could I be offered?