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
- What could Critical Illness cover be used for?
- Anything you want. Medical expenses, repaying the mortgage, making your home easier to live in, school fees, general living expenses, but to name a few.
- Is there a waiting period to receive payment on a Critical Illness claim?
- All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.
- Is there a minimum or maximum amount of Critical Illness cover available?
- When you get an quotation, the insurer providing the quotation has agreed in principle to insure you for the sum you have requested. Therefore, you do not need to worry about this issue.
- 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.
- Will Critical Illness policies permit the use of alternative medicines?
- After you have been diagnosed with a qualifying Critical Illness and the claim has been paid you can spend your money however you like. So if you want to spend some of your money on alternative medicines then that’s entirely your choice.
- 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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