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Since 2006 we have helped 342,313 people compare Protection Insurance quotes.
We would love to do the same for you...

5 things that you might be surprised to learn about life insurance

You might think that you know well enough the basic principles of life insurance - for example, that it is designed to help financially protect families by providing a one-off tax-free lump sum payment in the event of the policyholder’s death.

But are you currently dismissing the thought of purchasing life insurance, due to certain perceptions about this product that might be little more than myths?

If so, it may be a good idea for us to draw your attention to some of the following easily overlooked truths about life insurance.

Life insurance can be easily combined with other forms of protection cover

You don’t necessarily have to have life insurance instead of an alternative type of protection insurance, such as income protection insurance or critical illness cover. Combined policies are available that could help cover all the key bases at a reasonable cost.

Life insurance doesn’t have to end once you have finished paying off your mortgage

Although a lot of people are motivated to purchase a life insurance policy because they are in the process of paying off a mortgage, it is important to acknowledge that there isn’t a direct link between a life insurance policy and a mortgage. So, you can set up your own life insurance policy so that it remains valid even after your mortgage has been repaid.

After all, if you were to pass away, it might not be only mortgage payments that your surviving family would have to pay for in your absence. Life insurance can therefore serve as a much broader and longer-lasting form of financial protection than that.

Life insurance isn’t a legal requirement for a mortgage

If you are only just in the process of arranging a mortgage right now, you might easily overlook that there isn’t actually any law requiring you to take out life insurance in order to secure a mortgage.

However, if you do commit to such a large debt as a mortgage, it could be a very wise idea to purchase life insurance alongside it anyway. The fact is, you can never be sure when the worst might happen, and the payout from a life insurance policy could be invaluable for your family if you pass away and they are left with mortgage debt they still need to clear.

A pre-existing medical condition won’t necessarily prevent you from getting life insurance

You might have imagined that if you have a pre-existing health condition such as a heart condition or diabetes, it wouldn’t even be worth enquiring about life insurance.

However, if this is the case for you, it might not be impossible for you to get approved for a reasonably priced life insurance policy. Much will depend on the severity of your health condition and the outcome of your medical assessment, so if you are in any doubt, please don’t hesitate to give our team a call on 0800 316 6917.

It’s possible to have multiple life insurance policies at the same time

Again, there is no rule against this, and some people do have several life insurance policies simultaneously.

However, if this is something you’re considering because you already have a life insurance policy that doesn’t represent the perfect match to your requirements, it might be worth looking into whether you can have your existing policy adapted to those needs. Changes that might be possible range from changing the term and the amount of cover, to changing how often you pay premiums on your policy.

There you go - five things that you might not have realised about life insurance, that could inform your decision-making. If you would appreciate the help and guidance that our UK advisers can provide, please don’t hesitate to call our free, no-obligation advice and quotation line today, on 0800 316 6917. You might just end up walking away with the ideal life insurance policy for your requirements.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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