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Joint life insurance
Those in a relationship are able to take out a joint policy that will pay out if one person dies. This can be cheaper than two separate policies.
Those aged between 50 and 79, are eligible for a whole life policy that doesn't require a medical, with all premiums ending between 85 or 90.
Those with pre-existing conditions can still obtain life insurance, but will have higher premiums unless omitting a condition from cover.
Protect Your family's
The tough reality revealed by the statistics shows that around 1 in 30 children will lose a parent before they reach adulthood. Unfortunately, the suffering and grief is magnified with the loss of income, which sadly, for many causes a financial crisis – but life insurance is one of the cheapest methods to secure your family’s financial future if the worst does happen. However, it is easy to over pay and buy more than you need, so it’s always worth comparing prices between providers and ensuring you’ve got the appropriate amount of cover for your family's needs.GET QUOTE
What are the main types of life insurance?
The most simple kind of life insurance is ‘term life assurance’ which is when you select the amount you want cover for - and specify how long you want run the policy for.
If you die during the covered term, the policy will pay out to the beneficiary defined in the policy. If you don't die within the term, the policy will not pay out, and the amount you’ve paid out on premiums won’t be returned.
The three most common types of term life insurance to consider are: ‘level term,’ ‘increasing term,’ and ‘decreasing term’ insurance. Many people opt for a hybrid policy combining both types.
• Level term: this will pay out a fixed lump sum if you die within the defined term. The amount that you're covered for remains level for the duration of the term; (which is where it gets its name).
• Increasing term: the amount covered will increase over the duration of the policy’s term, this is to match inflation so your family can get the most benefit from your payments. .
• Decreasing term: the amount covered will decrease over the policy’s term. This type of policy is useful if looking to pay a debt off over time – such as a mortgage.
Family Income Benefit
‘Family income benefit’ is a type of decreasing term life insurance policy. But instead of one lump sum, the policy will pay out a monthly income to your family / beneficiaries – which pays out until you die, or until the policy expires.
Whole Life Cover
As is clear by the name, a ‘whole life policy’ is an ongoing policy that will pay out any time you die - whenever that may be.
Given that you’re certain to die at some point, (meaning the policy has to pay out) these policies have higher premiums than ‘term insurance’ policies where pay-outs are limited to a specified time period.