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Female non smoker aged 35Review the best Life Insurance premiums on offer for a £100K sum assured over a 20 year term.
Female smoker aged 35Review the best Life Insurance premiums on offer for a £100K sum assured over a 20 year term.
Male non smoker aged 35Review the best Life Insurance premiums on offer for a £100K sum assured over a 20 year term.
Male smoker aged 35Review the best Life Insurance premiums on offer for a £100K sum assured over a 20 year term.
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Over 50's Life InsuranceLife cover with guaranteed acceptance for the Over 50's. Provided by the Shepherds Friendly Society.
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Life cover is a type of insurance that pays out a lump sum or income if you die.
Most commonly life insurance cover is taken to ensure your mortgage will be repaid, so that your family can afford to continue to live in your home. You might also set up a policy to protect your loved ones; for instance, to provide enough money for your family until your youngest child reaches adulthood.
Life insurance is usually for a set term – to coincide with the length of your mortgage, or a life event (your youngest child’s 21st birthday, for example). If you die within the term, the policy will pay out; however, if you survive the term, you don’t get anything back.
You pay for the policy monthly or annually. Be sure to keep up your payments – if you miss one, your policy may be placed “off risk” which means you’ll have no cover. Life insurance providers sometimes offer a “premium waiver” which pays your premiums if you can’t due to unemployment or illness.
To help you compare the best life insurance cover, we’ve put together Best Buys for both smokers and non smokers (based on a 35-year-old needing £100,000 of life insurance over 20 years).
Life insurance Best Buys allow you to get a great idea of what you could pay – but obviously your circumstances could be quite different to the scenario we use. That’s why we also offer the opportunity to speak to a professional adviser about your life insurance needs.
By completing a short form you can speak to an adviser to get a personalised life quote. It doesn’t take long and a few minutes spent now could benefit your family in the years ahead.
Speak to a life insurance adviser from Torquil Clark
Under no circumstances should you cancel an existing life insurance policy until a new one has been arranged. Torquil Clark Life Insurance is a trading name of Life Policies Direct Ltd which is authorised and regulated by the Financial Services Authority.