Compare UK Life Insurance (Assurance) quotes ...
Dont put you have worked so hard for..at RISK.
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Using this online service, you can get a real-time, low cost instant life insurance quote from the UK's leading providers of life assurance.
If you should have any doubts about whether this product meets your own needs, please contact us so that your individual circumstances can be considered. Use your back button to return to our website.
Do you need a cheap life insurance quote? The aim of life assurance cover is to provide money for people who financially depend on you.
If there is no one who will be financially distressed by your death, life assurance is probably not essential, though there are other reasons why it would be useful.
Two simple questions:
"if you were in a fatal traffic accident tomorrow, would anyone else be left in the financial mire?"
and
" if you had to stop working for serious health reasons - due to cancer, heart attack, stroke etc, how long would your savings last? how long could you pay the mortgage or rent?"
If the answer is "yes" to the first or "less than a couple of years" to the second, then we should discuss your insurance needs, in order to ensure that you and your dependents needs are properly catered for. We can offer best insurance deals.
On the next few pages in the online life insurance quote system you will be provided with a quotation and the product literature for the product you choose; please take time to read each document carefully as they each contain important information about this policy, including the potential benefits available, together with details of charges, expenses and commission involved.
Life Insurance - what is it?
Life insurance, or life cover, as it is also known is available in two different forms, from Life Assurance companies. Term Assurance policies pay a tax free lump sum should you die at any time during a fixed policy term. The second type which provides cover for the rest of your life, is known as Whole of Life insurance.
Life insurance - what it could do for you
What life insurance could do for you depends largely on the financial arrangements you make for your dependents. For example, your partner could use the lump sum to pay off a debt such as a mortgage or use the money to provide an income.
Alternatively, you could take out a separate mortgage protection policy, so the Life insurance money can be spent elsewhere. If you need to ensure that your dependents have an income in the event of your death, you can arrange this as a separate income protection or Permanent Health insurance policy. Likewise, you can take Critical Illness Insurance cover as an additional benefit.
Life insurance - how it works
If you choose a Term Life Insurance policy you'll receive a lump sum if you die during the period covered by the policy. If you choose a Whole of Life insurance policy, you'll receive a series of payments. Both are usually tax free and you can spend the money from your life insurance payout however you choose. You can either pay premiums each month or, if you prefer annually in advance. The premiums will vary according to how long you want life insurance cover for and other factors such as your age, occupation and medical history.
You can use the inormation and tools on this site to gain a basic understanding of what is available, however this information is only an overview, only expert, independent advice from Neville Richards, following a full review of your circumstances will ensure you find a solution that provides peace of mind.
Important Documents
Initial Disclosure Document
