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Since 2006 we have helped 339,594 people compare Protection Insurance quotes.
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Since 2006 we have helped 339,594 people compare Protection Insurance quotes.
We would love to do the same for you...

Myths about life insurance ‘deterring homeowners from taking out cover’

Have you been considering purchasing a life insurance policy, only to find yourself hesitating over one or two lingering doubts? There’s certainly nothing wrong with making doubly sure that a particular insurance plan on offer would be the right one for your requirements. However, it is also crucial not to be put off protecting yourself and your family by unfounded worries.

This much was brought to our minds lately by research revealing that a whopping two in five homeowners do not presently have any life insurance.

This particularly concerns us in the case of those households that would struggle to continue paying their essential bills - including the mortgage and other monthly expenditure - if the main earner was to pass away. And this eventuality is precisely what life insurance is designed to protect against.

Don’t put off buying life insurance for the wrong reasons!

So, what could possibly be deterring homeowners from buying the life insurance that would provide a one-off tax-free lump sum to the family of the policyholder in the event of the latter’s death?

Sadly, the reasons uncovered by the aforementioned survey by a price comparison site were not always ones that had much grounding in reality. Among the top reasons given by Britons for not purchasing life insurance, some said they didn’t feel they needed it, while others said they had an underlying health condition that made it difficult or expensive to obtain life insurance.

Other justifications for their stance expressed by the poll respondents who did not have life insurance, included simply not wishing to think about it, or a belief that “insurers never pay out”.

But as the researchers pointed out, not all these common reasons for refusing the chance to buy life insurance are backed up by the reality. They cited the example of a 20-year policy worth £100,000 for a non-smoking 30-year-old, which they said could be as cheap as £4.36 a month.

As for the notion that insurers don’t pay out, a 2019 study by the Association of British Insurers (ABI) found that 98.3% of claims were paid out by insurers.

These realities underline the importance of being well-informed on the truths and myths surrounding life insurance, so that you don’t risk your family’s future financial wellbeing on the basis of misleading or outright wrong perceptions.

Make us your starting point in your search for life insurance

Whatever your expectations or requirements may be in relation to life insurance, it’s crucial to make sure you are getting the right advice. Here at QuoteLifeCover.com, we provide a personalised service to help you be better informed on your options - and while we can also give you a quote for free, we are advisers rather than pushy salespeople, and are not attached to any one insurer.

Those ingredients will help give you the confidence that you will be guided to only the most suitable course of action for your own situation. Just give us a call now, on 0800 316 6917.

With our expertise in this type of protection cover - including over 50s life insurance - we’re ready and waiting to point you in the best direction, and to save you some money if you do decide to purchase a policy.

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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