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Life Insurance is a policy that is taken out to cover and protect your loved ones financially if you pass away. Your family will receive a payment which will contribute to mortgage payments, debt, funeral costs and other essential expenses, such as household bills.
The money that is paid out to your family is dependent on a range of factors, starting with the type and level of life insurance cover you take out.
There are many UK life insurance providers that offer varying life insurance - this includes different costs, length of policy and terms included.
It is useful to know how life insurance works - from its cost, to who it affects, to what it actually entails.
Life insurance is designed to support families and dependents when a loved one passes away, as this can often mean significant financial burdens are left to them.
The specifics of what life insurance covers does and does not cover is dependent on the insurance provider - so make sure to check this in your policy documentation.
If you have an illness or a disability, life insurance will not pay out. However, critical illness cover is a product that does cover this. Life insurance and critical illness cover is often combined by certain insurance providers.
As with most elements of life insurance, who the payout is given to is usually dependent on the terms and conditions of your policy. However, you will typically be able to choose who the money goes to when you pass away by selecting a beneficiary.
With joint life insurance, the money will go to the surviving policyholder, unless you have arranged otherwise.
While lump sum payouts are the simplest and most common type of insurance payout, there are other options in how loved ones can receive a life insurance payout. Instalments can be made in a range of timeframes, including monthly, quarterly, annually or payments every five years.
The cost of life insurance premiums are dependent on a range of factors - when applying for life insurance, providers will ask you for more information about yourself.
The main factors that they will consider when deciding the total cost of life insurance:
To find out how much life insurance could cost you, start your free online quote - I'm Insured will compare insurance providers across the market to find you the best price and the most suitable cover.
Critical illness is a form of life insurance that protects you and your family if you become seriously ill. Find a quote today!
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Find out moreWe can arrange life cover for a range of specialist occupations and hobbies such as firefighters, policemen, farmers, automobile racing, mountaineering among many others
Find out moreFor a limited time we're excited to announce that every new life insurance policy arrange will come with a free, at home, personalised blood test and health check
Find out moreThere are a wide range of life insurance products available on the market with a number of companies providing insurance. It can feel like a difficult task trying to navigate these products and providers.
I’m Insured is a trusted independent broker; as a company, we specialise in helping can you to compare life insurance quotes to find the policy that best meets your needs.
To find out what life insurance is suitable for you and your family, or if you're curious about how much life insurance you need, use our life insurance calculator to start the process.
Having a pre-existing medical condition will not prevent you from finding life insurance, there are many insurers that will provide great cover for you. However, it is important to be mindful that this can increase the cost of life insurance, though not in every case.
If you have a medical condition, it is likely that you will need to disclose more information to your insurance providers. If your claim is related to a pre-existing medical condition, the policy can be voided - so it's important to keep your insurers up to date with any conditions you have.
I’m Insured have years of experience in helping people with a wide range of medical conditions to find the best life insurance cover for them - from diabetes, to mental health conditions such as depression to cancer and even coronavirus.
We've compiled all of the information available from the top insurers to provide information on the current standpoint of the life insurance industry and COVID-19 coronavirus
Find out moreFinding life insurance with a history of depression can be daunting. Our expert team is experienced in dealing with the sensitivity of depression life insurance
Find out moreIf you have type 1 or 2 diabetes and are looking for life insurance, our team of experts can help you find the best policy.
Find out moreIf you have high blood pressure, it is possible to get life insurance cover. Our experts can help you find the best policy.
Find out moreIf you suffer from Irritable Bowel Syndrome (IBS) you may find it difficult to get life insurance, but our experts can help you to find cover.
Find out moreIf you suffer from Crohn's disease you may find it difficult to get life insurance. Our experts can help find you cover.
Find out moreUlcerative Colitis doesn't necessarily have to affect your life insurance. We can help you find the best quote and most comprehensive cover
Find out moreIf you have an arthritic condition and are looking for life insurance, our experts can help find suitable cover for you.
Find out moreFinding life insurance with asthma is not impossible. We're experts in cover for pre-existing conditions, get a quote now.
Find out moreHaving sarcoidosis can make finding life insurance more difficult. Our friendly experts can help you through the process.
Find out moreDo you suffer from epilepsy and worry about getting life insurance? Our friendly experts can help find you suitable cover.
Find out moreIncluded with critical illness cover, this insurance protects you if you are diagnosed with cancer. Find a policy to suit you.
Find out moreThat means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.
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