As you weigh up the options to help find the right life insurance policy for you, one of your concerns could well be whether or not you are going to need a medical examination before beginning your policy.

The answer to this depends on certain factors such as your age, existing or historic medical conditions as well as the amount you wish to be covered for. In many cases you wont need any form of medical at all. However, even if the insurer does ask for a medical, it is usually a simple and quick procedure. Read more…

Life insurance is one of the most important financial protection products available, offering you the ability to protect your loved ones future should something happen to you. There are a large range of policies available depending on your requirements, and you can find cover to pay for funeral expenses, leave money behind to pay for your loved ones lifestyles or even provide you with the funds to pay for private medical care should you become critically ill.

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One option when buying UK Life Insurance is to add critical illness cover. Most life insurance policies will pay out a lump sum to your loved ones in the event of your death, but what if you are diagnosed with a life-limiting illness? It may be that receiving a tax free payment before you die would be a big help to you and your family at a very difficult time. Read more…

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Critical Illness Life Insurance

Critical Illness Life Insurance is intended to pay out a cash lump sum if you die, or if you are diagnosed with a critical illness before you die. It is a fact that you are much more likely to suffer a serious illness than to die before you are 65. Many people have life insurance, but few also take out critical illness cover too. In the sad event of you being seriously ill, it can make life much more bearable. Read more…

Decreasing term life insurance is also called mortgage life insurance. This is because it is designed to pay off your outstanding mortgage should you die during the term of the insurance. This will take the pressure off your dependents, who will no longer have to pay off the mortgage.

It is called decreasing term because the amount paid out if you die decreases over time. This should be in line with your outstanding mortgage, so that the amount paid covers at least the outstanding mortgage amount. Read more…

There are two main types of life insurance: level term life insurance and decreasing term life insurance.

Level Term Life Insurance is designed to pay out a fixed sum upon your death to your family. Over the term of the policy (for example, 20 years) it will pay out a particular sum (for example, £150,000) upon your death. It is, of course, an insurance policy that you hope will not have to pay out. Read more…