Life Insurance Articles Menu
1 Life Insurance and Life Assurance what is the difference ?
4 Life Insurance Providing Little Protection from Terrorism
5 Life Insurance - Smokers and Overweights pay over 50% more!
6 Life Insurance - Why does less than half the UK population have cover?
7 Life Insurance. Should your policy be written in trust?
8 Life Insurance. Bargain Life Insurance when you take out a pension policy
9 Now Is The Time To Take Out Life Insurance
10 Calculating The Life Insurance Cover You Need
11 Insurance Company's Miracle - You're No Longer Critically Ill
12 A Choice Of Critical Illness Cover
13 Switch For A Better Life Insurance Deal
15 Homeowners gamble on life cover
16 Life Insurance - remember to disclose everything when you apply
17 Life insurance companies embrace equality.
18 Law Commission proposals to make insurance claims fairer.
Life Insurance FAQ'S
- What is Life Insurance?
Hot Topics
- How long should you insure for?
- 20 to 25 years is most common but it really depends on how much you can afford and your personal circumstances.
- Should you have a “Guaranteed” or a “Reviewable” policy?
- When a policy is first started Guaranteed policies have higher premiums than Reviewable policies - but in the longer period Reviewable policies generally work out more expensive.
- Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
- Two good reasons: You are likely to save money! And if you died within the survival period (see below), the claim would still be paid under the terms of your Life Insurance.
- Are You Allowed To Continue Working After A Critical Illness Claim?
- Once an Insurance company has paid your claim it has no interest how you live your life or what you go on to do.
- What if you develop another critical illness or have a reoccurrence of a Critical Illness ?
- After a successful claim the insured sum will be paid to you and that ends the policy. There can be no further claims.
- Life Insurance - why do you need it?
- What personal details do you need to provide to get a quotation for Life Insurance?
- Should you consider Critical Illness Insurance instead?
- Should you consider Mortgage Life Insurance instead?
- How long should you insure for?
- Why are the insurance prices on the Internet so low?
- How much will the premium be?
- Is the price you’re quoted, the price you pay?
- Will your premiums increase?
- Is it better to have Guaranteed or Reviewable premiums?
- If you’re asked to supply more information or go for a medical, will the premium increase?
- Could you end up paying more for insurance than someone else the same age?
- Should you have a “Guaranteed” or a “Reviewable” policy?
- Should you include Terminal Illness Insurance?
- Should you include Critical Illness cover on your Life Insurance policy?
- What is the difference between Critical Illness Insurance and Terminal Illness Insurance?
- Should the cover be on Joint lives or Single lives?
- Can you have different levels of cover on a joint life policy?
- Should your policy be written “in Trust”?
- Which optional extras are important?
- Will your medical history affect your premium?
- Is a medical absolutely necessary?
- Can you get a quotation now online?
- Can life insurance be arranged quickly?
- What causes delay and can delays be reduced?
- What correspondence can you expect to receive after your Application has been submitted?
- What happens if you urgently need Life Insurance in order to complete your house purchase?
- Once you’ve got your quote, what’s the next step?
- What do you need to know about Life Insurance?
- Does Life Insurance have to be associated with a mortgage?
- What is the difference between Life Assurance and Life Insurance?
- Is there any investment value in your policy?
- When does your cover start?
- Why is insurance more expensive for smokers?
- If your premium is “Rated”, what does that mean?
- If your insurer asks for a higher premium because you are Rated, is it worth applying to another insurance company?
- Are there any extras to pay?
- Do you have to pay the Life Insurance Broker a fee?
- Does your age affect your premium?
- Will you need a medical?
- What happens if you stop paying your premiums?
- How do you go about making a claim under your policy?
- Can a claim still be made if the policy is lost?
- Under what situations would a claim be refused?
- Will your Mortgage Lender charge a fee if you buy your Life Insurance from someone else?
- Why is Mortgage Life Insurance cheaper than normal Life Insurance?
- What does a Life Insurance broker do?
- Information about The Financial Services Authority
- Complaining about a Life Insurance Company
- Complaining about a Life Insurance Broker
- Complaining about misleading advertising
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