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A beginner's guide to life insurance

How do you best choose a cheap life insurance policy that best suits your needs? Find out here.

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Cancelling your life insurance

It's best to think carefully before cancelling a life insurance policy. Find out the options you need to weigh up here.

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Changing your life insurance policy

Why is it a good idea to regularly review life cover to make sure it’s right for you and your family's circumstances? Find out here.

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Critical illness cover: Should I get it?

What are the advantages of insuring yourself against becoming critically ill, rather than just getting life insurance?

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Does smoking affect my life insurance premium?

To what degree does smoking tobacco affect your ability to get life insurance, and its cost?

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Family medical history and your life insurance premium

Increasingly, insurers want to know about your family’s medical history. Find out more here.

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How life insurance premiums are calculated

Want to know how life insurance is calculated? And how you can take steps to reduce premiums? Then read on.

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How much life insurance cover do you need

How much life insurance do you need? What circumstances affect the calculation? Find out how to work out your ideal level of life cover.

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Income protection life insurance

Many worry about not being able to pay the mortgage - or meet other financial commitments - if made redundant or unable to work due to illness or accident. How do you put your mind at rest?

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Jargon buster: A life insurance terms glossary

Do you find life insurance terms bewildering? The following brief glossary is intended to make sense of life insurance policies.

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Life insurance policy exclusions and small print

What do you need to know about life insurance policies to avoid any nasty surprises? Find out here.

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Mortgage life insurance

Want to keep a roof over your dependants' heads in the event of your death? Then find out more about mortgage life insurance.

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New parents' life insurance tips

Have you got a young or even brand-new family? Having children is an important life event, and life insurance can be very helpful. Find out why here.

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Over 50s life insurance

Turned 50? Don't have a life insurance policy? We reveal the benefits that life insurance has to offer.

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Pension term assurance

Do you have pension term assurance? Care should be taken if you want to change your cover or switch to a new type of insurance. Find out why here.

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Policy types in life insurance

Which life insurance policy is right for you? To provide for your partner or family, there are a number of types of policy to choose from

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Reduce your life insurance quote: We show you how

A guide to help you reduce your life insurance premiums without compromising on your cover.

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Single person life insurance: Should you take it out?

Is life insurance just for people who get married and have children? Should you take out life cover even if you're single?

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What is joint life insurance?

Does it make sense not only to get life insurance cover for yourself, but also for your partner? Find out more about joint policies here.

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What is level term life insurance?

What is level term life insurance is and how does it differ from other types of life cover? This guide explains how it works.

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Whole life insurance cover: What are the benefits?

Whole-of-life insurance is designed so the policy pays out a lump sum to your loved ones when you die. What are the advantages of this approach over other policies?

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Writing life insurance in trust

Only 6 per cent of people put their life insurance in trust. Find out more about the possible advantages with


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Matt Lloyd, Head of life insurance

Matt Lloyd, Head of Life insurance

"The right type of life insurance cover could
offer your family the protection and security they
need to maintain their lifestyle after you’re gone.
We’re here to help you find the right policy, at the right price"

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Health insurance

Jargon Buster

Critical illness cover

Provides you with a lump sum if you are diagnosed with a defined critical illness such as some types of cancer or a stroke, during the policy term.

Decreasing term

With these policies, the level of cover reduces over the length of the policy, similar to and often in line with the way a repayment mortgage decreases.


This is a collection of all your assets, so your house, car, savings & investments etc.

Guaranteed premium

These premiums are fixed and guaranteed not to change during the policy term, unless you alter the cover.

Joint life

These policies can cover you and another person, paying out only once following a claim and then ending.

Level term assurance

the amount you are covered for is fixed when you start paying your premiums and it stays the same throughout the term. A guaranteed lump sum will be paid if you die during the policy term.


Your premium is the amount you agree to pay a life insurance provider on a regular basis, in return for cover.

Terminal illness cover

Policies that provide this type of cover may pay out upon diagnosis of a terminal illness.


A legally acknowledged arrangement to pass on your assets when you die.


How long the policy lasts for, i.e. 5-40 years.

Waiver of premium

In the event that you are unable to work through ill health; payments will be made on your behalf until the end of your policy term, a specified age or until you are able to return to work. This is often offered as an additional extra.