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Life insurance questions answered....

What does a life Insurance policy cover?
Life insurance cover pays out upon the death of the insured or many policies now pay out if you are diagnosed with a terminal illness and only given 12 months to live.

What does it cost?
Life insurance premiums vary depending on many factors such as the sum assured, your age, gender and medical history. Premiums are paid on a monthly basis and you are never tied in to the policy. For a personal low cost life insurance quote click here.

Are there different types of policies?
Yes, term life insurance comes in 2 different forms;

Level Term Life Insurance; the sum assured is guaranteed and remains unchanged throughout the term of the policy. This can be used to repay an interest only mortgage or leave you loved ones with a lump sum.

Decreasing term insurance/Mortgage life insurance; is design so that the sum assured reduces throughout the term of the policy. Designed to clear the balance of a repayment mortgage upon death, this is the cheaper of the two options.

How do I buy life insurance?
It couldn't be easier, just fill out the box on the right hand side of the page to get a quote and compare the market. If you like, once you have your quotes we can talk you through the differences between the policies, to make sure you get the right life insurance for your needs! And if you hate paperwork, no problem we love it so we’ll do it all for you!

Can I have life insurance and critical illness cover in one policy?
Yes you can, just click here to see our critical illness insurance section.

Got a question that we’ve not answered, no problem click here to ask us anything!