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Life insurance provides vital peace of mind for anyone who has individuals who rely on them financially. Policies are available from the age of 18 to 80!
Why invest in Life Insurance?
Life insurance provides a lump sum payment to support your family or loved ones in the event of your death. Whilst it’s not something anyone wants to think about, the sobering reality is that 1 in 20 children will lose one or both parents before the age of 16. [1]
Life insurance ensures that financial crisis won’t be added to the list of traumas your loved ones would face. It allows the peace of mind that their financial future will be secure and they will be able to continue to pay the bills and maintain their standard of living. Life insurance lump sum payouts can be used to pay one-off things like the mortgage or university fees but also the day-to-day bills and living costs.
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Stage 1
Answers some simple questions with an expert adviser.
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Stage 2
We will use this to compare prices on the best policies.
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Stage 3
Receive a bespoke quote tailored to all your requirements.
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Frequently Asked Questions
We know private life insurance can be confusing! We’re here to help.
Life insurance is not a legal requirement. However, if you have anyone who relies on you financially, or you have a debt (such as a mortgage) your policy will protect your dependents.
The cover required can vary depending on the lump sum payout amount you want your beneficiary to receive. Your requirements can be calculated by the costs you need to cover and your savings. It could also be calculated to cover a significant debt such as a mortgage or long-term loan. Ultimately, it depends on your unique circumstances and our experts will make sure to fully understand your needs.
You can buy life insurance directly from the insurer, through a broker, intermediary, or financial advisor.
We recommend buying from an intermediary such as Usay Compare, to allow you to compare a wide selection of the UK’s leading insurers, to ensure you have the best policy to suit you.
A Term Life Insurance policy does not provide a cash sum if you are still alive at the end of the term. Premiums tend to be lower for such policies as the majority will outlive their policy. Term Life Insurance policies are generally taken out by people who do not want to leave any financial burden on their family such as mortgage payments.
Writing the policy into trust enables you to select who would hold the money for your children until they reach a certain age should you die. This will often be a partner, sibling or close friend as they will have a legal responsibility to carry out the wishes of the person creating the trust.