Life Insurance Guides From Money Expert

10 Ways To Save Money On Life Insurance

Posted in category: General Advice | Last updated: 26. 01. 2022

It is no overstatement that life insurance could probably be one of the most significant purchases...

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Cancelling a life insurance policy

Posted in category: General Advice | Last updated: 17. 01. 2022

There are a variety of reasons for which you might want to cancel your life insurance policy, but i...

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Changing Your Life Insurance Policy

Posted in category: General Advice | Last updated: 06. 10. 2020

Once you've taken out a life insurance policy, it is important to go over and review your cover fai...

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Critical Illness Cover

Posted in category: Types of Cover, Additions & Extras | Last updated: 23. 07. 2020

If you become seriously ill to the point where you can no longer work to earn a living, then you mi...

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Death in service and life insurance

Posted in category: Types of Cover | Last updated: 17. 01. 2022

Many employers will offer what is known as death in service benefit as part of a general employment...

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Decreasing Term Life Insurance

Posted in category: Types of Cover | Last updated: 27. 07. 2020

There are several different types of life insurance plans out there. There are so many that it can...

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Life Insurance and Diabetes

Posted in category: Types of Cover, Exclusions | Last updated: 09. 07. 2021

3.5 million people in the UK have been diagnosed with diabetes, while an additional half a million...

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Different Types of Life Insurance Policy

Posted in category: Types of Cover | Last updated: 04. 03. 2022

Life insurance allows people to take ease in the knowledge that their dependents will be financially...

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What happens to a life insurance policy after a divorce?

Posted in category: General Advice, Exclusions | Last updated: 17. 01. 2022

According to the Office of National Statistics, 42% of marriages in England and Wales end in divorc...

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What is Family Income Benefit?

Posted in category: Additions & Extras, Types of Cover | Last updated: 06. 10. 2020

Life insurance policies typically pay out a lump sum to the policyholder's beneficiaries following...

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Family life insurance

Posted in category: Types of Cover | Last updated: 14. 04. 2022

If you’ve got family members that depend on you financially and you’re worried about how...

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Frequently Asked Questions on Life Insurance

Posted in category: General Advice | Last updated: 23. 07. 2020

We've tried to answer as many of your questions as possible, if there is something missing from her...

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High risk life insurance

Posted in category: Types of Cover | Last updated: 09. 03. 2022

Old age, unhealthy habits, and dangerous hobbies can all make you ‘high risk’ in the eye...

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How Insurers Calculate Premiums

Posted in category: General Advice | Last updated: 06. 10. 2020

Ever wondered why your life insurance policy costs as much as it does? Or why the cost of your exis...

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How much cover do you need on your life insurance?

Posted in category: General Advice | Last updated: 23. 07. 2020

Life insurance is the best way to make sure that your family can support themselves in the event of...

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How to make a life insurance claim

Posted in category: General Advice | Last updated: 07. 02. 2022

The time following the death of a loved one can be a deluge of paperwork and administration, as you...

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Income Protection Insurance

Posted in category: Types of Cover, Additions & Extras | Last updated: 06. 10. 2020

Our lives these days are racked with financial worries, so an income protection insurance policy th...

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Joint Life Insurance

Posted in category: Types of Cover | Last updated: 23. 07. 2020

Many people take out a life insurance policy to make sure that if they die, their loved ones will b...

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Joint vs Single Policy Life Insurance

Posted in category: Types of Cover | Last updated: 23. 07. 2020

Many couple opt to open up joint life insurance policies to cover both partners, often paying out j...

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Level Term Life Insurance

Posted in category: Types of Cover | Last updated: 27. 07. 2020

One of the most popular life insurance policy types is level term insurance. These policies will of...

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Life Insurance when Pregnant

Posted in category: Types of Cover, Exclusions | Last updated: 19. 04. 2022

Given that the importance of life insurance grows with the size of your family, it is both common an...

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Life Insurance and Tax

Posted in category: General Advice | Last updated: 23. 07. 2020

A life insurance policy can ease the financial burden on your family if you die by paying out eithe...

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Life Insurance - Do You Need It?

Posted in category: General Advice | Last updated: 11. 09. 2020

Many people don't buy themselves life insurance due to the morbid nature of the topic. However life...

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Life Insurance

Posted in category: Uncategorized | Last updated: 23. 07. 2020

One popular form of health insurance that can work in tandem with private medical insurance policie...

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Life insurance for diabetics

Posted in category: Types of Cover, Exclusions | Last updated: 01. 04. 2022

Living with diabetes can be a struggle, and it doesn’t help that life insurance providers tend...

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Life Insurance for New Parents

Posted in category: Types of Cover | Last updated: 06. 10. 2020

Having a child is very a very exciting and life changing process, bringing with it all sorts of new...

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Life Insurance For Over 50s

Posted in category: Types of Cover | Last updated: 06. 10. 2020

As a general rule life insurance costs increase in line with how old you are. This means that you s...

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Life insurance for smokers

Posted in category: Exclusions, Types of Cover | Last updated: 07. 10. 2021

Smoking is almost as popular as it is dangerous. The serious health risks associated with a smoking...

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Life Insurance - Funeral Cover

Posted in category: Types of Cover, Additions & Extras | Last updated: 15. 03. 2022

According to SunLife's annual Cost of Dying Report 2020, passing away currently costs an average of...

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Life Insurance Guidance

Posted in category: Uncategorized | Last updated: 23. 07. 2020

The idea behind life insurance is fairly straightforward – if you pass away, your dependents...

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Life Insurance: Small Print and Policy Exclusions

Posted in category: Exclusions, General Advice | Last updated: 23. 07. 2020

While the principles behind life insurance are fairly straightforward, with the range of policies a...

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Life Insurance vs. Mortgage Life Insurance

Posted in category: Types of Cover | Last updated: 23. 07. 2020

There are a variety of particular reasons why you might want to purchase a life insurance policy, w...

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Life Insurance Without A Medical

Posted in category: General Advice, Exclusions | Last updated: 23. 07. 2020

Many people assume that when you attempt to take out a life insurance policy you will automatically...

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Mortgages and Life Insurance

Posted in category: General Advice | Last updated: 17. 01. 2022

Making sure that their family is still able to keep up with mortgage repayments is a major reason w...

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Pension Term Assurance

Posted in category: Types of Cover | Last updated: 23. 07. 2020

Until the end of 2006, pension term assurance was available as a form of life insurance that could...

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What is Personal Accident Cover?

Posted in category: Types of Cover, Additions & Extras | Last updated: 22. 10. 2020

Life insurance policies generally only pay out following the death of a policyholder, either i...

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What's the right age to take out life insurance?

Posted in category: General Advice | Last updated: 17. 01. 2022

Few of us like to contemplate our own deaths, but is an inevitable fact of life, and one that can b...

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How Drinking and Smoking Affect Life Insurance Costs

Posted in category: Exclusions, General Advice | Last updated: 22. 10. 2020

In the UK 57% of adults drink alcohol and 15.1% smoke cigarettes. The health risks of both are wide...

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The Costs of Starting a Family

Posted in category: General Advice | Last updated: 22. 10. 2020

Starting a family is an exciting and fulfilling time in a couple's life, but it comes with a host o...

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Types of Life Insurance

Posted in category: Types of Cover | Last updated: 11. 09. 2020

Life insurance is a kind of insurance that pays out if or when you die, depending on the particular...

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Writing life insurance in trust

Posted in category: General Advice | Last updated: 17. 01. 2022

Did you know that you could avoid inheritance tax and maximise the pay-out for your loved ones by w...

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A Guide to Mis-Sold Life Insurance

Posted in category: General Advice | Last updated: 11. 09. 2020

There are few worse feelings than realising that you have been mis-sold something and unfortunately...

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A Guide to Writing a Will

Posted in category: General Advice | Last updated: 23. 07. 2020

A will is a legal document that specifies what happens after you die. It is the only way to ensure...

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Accident, Sickness and Unemployment Insurance

Posted in category: Types of Cover | Last updated: 23. 07. 2020

Life in the working world can be difficult, long hours, stressful situations and office parties can...

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Choosing a Will Executor

Posted in category: General Advice | Last updated: 23. 07. 2020

There comes a point in most people’s lives when they want to make sure that they’re est...

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Does mental health affect my life insurance?

Posted in category: Exclusions | Last updated: 23. 07. 2020

Issues surrounding mental health is something that many people will experience at some point in the...

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Does my job affect my life insurance?

Posted in category: General Advice | Last updated: 23. 07. 2020

When applying for life insurance an insurer will consider a variety of factors to assess how likely...

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Life insurance for children

Posted in category: Types of Cover | Last updated: 11. 04. 2022

Adding your children to your life insurance policy has two main benefits. Should your chil...

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Life Insurance for Elderly People

Posted in category: Types of Cover | Last updated: 06. 04. 2022

As we age, our risk of imminent death increases. While there is just a 0.07% chance a 30-year-old ma...

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Life Insurance FAQs

Posted in category: General Advice | Last updated: 11. 09. 2020

With so many types of life insurance policy available in the UK, it can be confusing for the best o...

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Life insurance investment bonds

Posted in category: General Advice | Last updated: 26. 04. 2022

Investment bonds are a type of investment that could be used as an alternative to life insuranc...

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Life Insurance Jargon Buster

Posted in category: General Advice | Last updated: 06. 10. 2020

If you have a family and financial responsibilities, you’ll likely want to take out a life in...

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Should I take out multiple life insurance policies?

Posted in category: General Advice | Last updated: 06. 10. 2020

With most insurance products, such as home or travel insurance, it doesn’t make sense to take...

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Should I retire abroad?

Posted in category: General Advice | Last updated: 06. 10. 2020

If you dream of living out your golden years on balmy Portuguese beaches or French vineyards, you m...

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Waiver of premium explained

Posted in category: General Advice | Last updated: 17. 01. 2022

Typically, if you miss a monthly premium with life insurance products, your policy will be cancelle...

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How much does a funeral cost?

Posted in category: Uncategorized | Last updated: 07. 10. 2020

A funeral is a cost that one that no one wants to think about, but we can remain fairly sure it wil...

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Life Assurance vs Life Insurance

Posted in category: Uncategorized | Last updated: 22. 09. 2020

At first glance, life assurance and life insurance might seem like the same thing. A...

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Life Insurance with Pre-Existing Medical Conditions

Posted in category: Uncategorized | Last updated: 10. 09. 2020

Taking out a life insurance policy is something that many of us will have to do at some point in ou...

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Do I need life insurance if I’m single?

Posted in category: Uncategorized | Last updated: 07. 04. 2022

Life insurance is usually seen as being a way to protect those who are dependent on you, namely your...

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Does my family history affect my life insurance?

Posted in category: Uncategorized | Last updated: 12. 10. 2020

Life insurance is, by nature, a complicated business. In order to work out life insurance deals whi...

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Endowment Policies

Posted in category: Uncategorized | Last updated: 12. 04. 2022

Life insurance can seem like a tough investment to make, seeing as by nature, the policyholder won't...

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Life Insurance for Seniors

Posted in category: Uncategorized | Last updated: 12. 10. 2020

As we get older, it is natural to start thinking about what we leave behind for our loved ones. Lif...

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Redundancy insurance

Posted in category: Uncategorized | Last updated: 06. 04. 2022

Redundancy insurance policies will pay out in the event you’re made redundant. Although these...

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Terminal Illness Cover

Posted in category: Uncategorized | Last updated: 12. 10. 2020

Most life insurance policies will include terminal illness cover. Although each policy will have it...

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Top Life Insurance Tips

Posted in category: Uncategorized | Last updated: 12. 10. 2020

Life insurance can feel like a complex beast to navigate. But fear not – we’re divulgin...

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What to do if you’ve been declined life insurance

Posted in category: Uncategorized | Last updated: 06. 04. 2022

Don’t be disheartened if your first life insurance application was unsuccessful. Different ins...

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Life Insurance Calculator

Posted in category: Uncategorized | Last updated: 04. 01. 2021

People commonly misjudge how much life insurance they need. They either overestimate, splashing out...

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What does a life insurance medical exam involve?

Posted in category: Uncategorized | Last updated: 18. 03. 2022

Some life insurance companies may require you to undergo a medical examination before providing you...

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Life insurance and coronavirus: Am I covered?

Posted in category: Uncategorized | Last updated: 21. 03. 2022

As more is known about the novel coronavirus and how it impacts our health, more is known about how...

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Gifting money to children and grandchildren explained

Posted in category: Uncategorized | Last updated: 14. 04. 2022

While most people plan to leave their money to children and grandchildren after they die, increasing...

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Life insurance for mums & single mothers

Posted in category: Uncategorized | Last updated: 19. 04. 2022

Raising a child is a great responsibility, requiring years of love, education, supervision, meals, l...

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Over 50s life insurance vs funeral plans

Posted in category: Uncategorized | Last updated: 22. 04. 2022

Ensuring that there is a financial plan in place for your funeral may not be something people want t...

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Over 60s life insurance

Posted in category: Uncategorized | Last updated: 25. 04. 2022

Taking out life insurance is something people start to think about as they get older. Whether it&rsq...

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What to do when someone dies

Posted in category: Uncategorized | Last updated: 25. 04. 2022

It might be a morbid subject, but it’s important to know what to do when someone dies. At an a...

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Over 70s life insurance

Posted in category: Uncategorized | Last updated: 27. 04. 2022

As you get into your 70s, you may - if you haven’t already - start thinking about leaving some...

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Is over 50s life insurance worth it?

Posted in category: Uncategorized | Last updated: 28. 04. 2022

Many people take out term life insurance policies to cover them while they’re working, raising...

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How life insurance for over 50s can help your family

Posted in category: Uncategorized | Last updated: 28. 04. 2022

An over 50s life insurance policy will provide a guaranteed pay-out of a few thousand pounds to your...

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