Life Insurance News

Generally there are two types of life insurance, namely, ‘whole of life’ and ‘term’ insurance. Term insurance basically provides you cover for the set period you have decided, this is typically between 10 to 25 years. In the event that you pass away in the covered period, then the insurance policy will pay out the […]

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Life Insurance and Diabetes Clearly having diabetes is adverse to your life expectancy and hence the premium will be increased. But if you can demonstrate that your diabetes is under control and if you have compared all the different insurance providers then your premiums shouldn’t be outside the levels of affordability. Diabetes and its impact […]

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Life insurance is a topic most people don’t like to think about, but it is important to consider how your family/dependants will financially cope if the unfortunate should occur. Ultimately the aim for obtaining life insurance is to get financial security and peace of mind that your family and loved ones will be looked after […]

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Many people believe that if you have death-in-service cover then you don’t need life insurance. This is a common fallacy as death-in-service doesn’t actually offer the same amount of financial protection as a life insurance policy. What is death-in-service? Death in service is usually provided by your employer and the cover is typically x4 the […]

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What is covered in life insurance? Life insurance typically pay-out once the policy holder has passed away. The lump sum received can then be used by the family/beneficiaries of the policy to avoid financial hardship i.e. by using the funds to pay off the mortgage, loans, child care costs or even funeral costs. Do I […]

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Whilst life insurance provides financial security for your loved ones, it’s not always very easy to work out the amount of cover you will require. At the very least, you should ensure that debts such as mortgages and loans are covered. But the financial obligation is often not limited to outstanding debts as you should […]

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