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    Life Insurance | Life Cover

    What is Life Insurance?Compare life insurance quotes with insuranet
    It is an insurance policy that covers you and pays out a lump sum of cash should you die.

    Why do I need Life Insurance?
    Would your family and loved ones be able to cope financially without your income due to your death?
    What about any debts or financial burdens you may leave behind such as your Mortgage, loans, credit agreements etc.
    With a life insurance policy in place, your family / partner could pay off the mortgage and / or any other financial liabilities and even maintain a similar standard of living as before.
    Some of your policy payment could even go towards covering the cost of your funeral.

    How many insurance companies do you compare?
    Because we work with independent intermediaries, you can compare quotes from a predominant ‘Whole Of Market’ panel of providers. We are not affiliated or in partnership with any insurance company which means all our partnered advisors can offer truly independent advice to help you find the best policy for your requirements.
    Below is a small example of the life cover providers our partnered advisers use:
    A sample of the life insurance companies we use

    What are the different types of Life Insurance available to me?
    There are four main different life insurance policies:

  • Term life insurance
  • Whole life insurance
  • Mortgage life insurance
  • Critical illness insurance
  • Starting with Fixed Term Life Insurance which covers you for an agreed amount of years (term) and the value of your policy and premiums remains the same throughout the whole term of the policy.

    Secondly, we have
    Mortgage Life Insurance which is a policy that decreases in value throughout its term roughly inline with a standard repayment mortgage, hence the name.

    Thirdly we have
    Whole Life Insurance which insures the policy holder for the whole of their life and pays on the eventuality of death. You continue to pay premiums throughout your life and this is more of an investment insurance policy.

    Lastly, we have
    Critical illness insurance which is usually an optional extra to add to your standard life insurance policy and this covers you should you die from or be diagnosed with any of the Critical illnesses outlined in your life insurance policy.

    By combining your
    Life Insurance with Critical illness insurance and purchasing them at the same time from the same insurer can usually save you money on your premiums as opposed to purchasing them separately.

    How much cover do I need?
    If we’re not the first site you’ve come to then we’re pretty confident that you have already read some conflicting information regarding this.
    It really does depend on your financial circumstances and what debts / burdens you would leave behind for others to pay. You also need to consider the quality of lifestyle those left behind would wish to continue with.

    This should be something you should talk through with one of our independent partnered advisors to ensure you receive the right level of cover on your life insurance policy.

    What if I have more questions?
    Don’t worry, after completing our quotation form one of our friendly partnered advisors will contact you to discuss any matters you may be unsure of.
    This advice will be free and impartial and from a fully qualified and FCA regulated advisor and not a pushy sales person with targets to achieve.
    Alternatively we have our
    FAQ’s section which contains all our most frequently asked question.

    What should I do now?
    Simple, just click the button to fill in our quick, single page online quotation form and we will do the rest.
    Click here to compare life insurance quotes

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