When planning your family’s financial future, it’s important to consider all the possible eventualities you may have to face. Buying life insurance can ensure your loved ones are provided for in the event of your death.
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Once you’ve taken the decision to provide some form of security and peace of mind for your loved ones in the event of your death, the next step is to decide what kind of life assurance is appropriate.
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You only have one life, which is why most people see the point of life insurance. But death isn’t the only thing that can happen to you.
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Smoking is bad for your health – and your wealth. The UK government levies a large amount of tax to put people off this potentially lethal habit.
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The internet has revolutionised the way insurance is sold, and life cover is no exception.
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One of the biggest fears for many people is not being able to pay the mortgage - or meet other financial commitments - if they are made redundant or unable to work due to illness or accident.
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When an insurer is offering you a quote for life cover, it wants to know what it is protecting. How old are you?
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Like any type of insurance, the amount you pay for life cover depends on a number of factors. Understanding what these factors are, and how they interconnect, can help you reduce your premiums.
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You should think carefully before deciding to cancel a life insurance policy. The most obvious reason for caution is that cancellation means you and your family will lose the protection the cover offers.
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If you have life insurance, it is a good idea to regularly review the cover to make sure it’s right for you and your family circumstances.
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When buying life insurance, ask yourself 'Is this the right type of cover for me?', and 'Is this the best price I can get?' Find out how to make your money go further here.
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How much life insurance you need really depends on your circumstances, for example whether you’ve got a mortgage or children.
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Unlike most things, life insurance is cheaper than it used to be. That’s because we are living longer, and less likely to die during the term of our plan.
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Life insurance is designed to ensure that your dependants do not suffer financially in the event of your death, and as such, many policies are set up to cover the main breadwinner in a family.
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When you take out a life insurance policy, you’re relying on the cover to offer rock-solid financial protection to your family if the worst happens.
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At the moment, men tend to pay more for life insurance than women. This is because men’s life expectancy is on the whole slightly shorter than women’s.
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Although a lot of the focus when it comes to selling life cover is on protecting newlyweds, young families and their mortgages, this type of cover has much to offer older people and pensioners.
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If you have already turned 50 but do not have a life insurance policy, there are a number of benefits that life insurance has to offer.
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Even if you are in your 60s, life insurance can still be a very useful type of protection.
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At the time of writing in 2011, life insurance premiums for women are cheaper than for men, other things being equal. This is because life expectancy for women on the whole is greater than for men.
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Life insurance is a simple product, generally speaking: it pays out if you die.
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If you want to take out insurance to ensure your partner or family is provided for in the event of your death, there are a number of types of life-insurance policy to choose from.
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When choosing your life insurance policy you will come across a host of bewildering terms. The following brief glossary is intended to help you steer your way through at least some of the maze.
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With the excitement of the birth of a child, a piece of added protection often forgotten by new parents is life insurance. But if you’ve got a growing family, it is even more important to have the right cover.
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The aim of life insurance is generally to ensure that the policyholder’s dependants – their wife or husband, and any children – can cope financially in the event of their death.
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Pension term assurance is a type of life insurance policy which, for a while during the last decade, was very popular due to its tax advantages.
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Many people take out life insurance then pay the same premiums year after year, but you aren't obligated to stick with an insurance company.
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Life insurance is not just for people who get married and have children: there are good reasons to take out cover even if you are single.
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One of the most important decisions you can make when you buy life insurance is how long you want the cover to last.
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As with any type of cover, there is no need to accept the first life insurance quote you are presented with - and there are several ways to reduce the size of your monthly premiums.
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Whatever form of life insurance you choose, you will invariably also be given a choice of a number of optional add-ons, including insurance against critical illness. But what is it?
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Those considering a joint life insurance policy are often married, or co-habiting, couples with dependants they want to protect.
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Whole-of-life insurance is designed to last as long as you do. You pay in a premium every month and when you die, the policy pays out a lump sum to your loved ones.
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