Life Insurance Guides From Money Expert
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10 Ways To Save Money On Life Insurance
Posted in category: General Advice | Last updated: 22. 05. 2025
Why life insurance matters It is no overstatement that life insurance policy could be one of the mos...
Cancelling a life insurance policy
Posted in category: General Advice | Last updated: 23. 05. 2025
There are a variety of reasons for which you might want to cancel your life insurance policy, but it...
Changing Your Life Insurance Policy
Posted in category: General Advice | Last updated: 23. 05. 2025
Once you've taken out a life insurance policy, it is important to go over and review your cover...
Critical Illness Cover
Posted in category: Types of Cover, Additions & Extras | Last updated: 02. 12. 2022
If you become seriously ill to the point where you can no longer work to earn a living, then you mig...
Death in service and life insurance
Posted in category: Types of Cover | Last updated: 12. 03. 2025
Death in service insurance is a crucial employee benefit that provides financial security to the lov...
Decreasing Term Life Insurance
Posted in category: Types of Cover | Last updated: 14. 11. 2023
There are several different types of life insurance plans out there. There are so many that it can o...
Life Insurance and Diabetes
Posted in category: Types of Cover, Exclusions | Last updated: 02. 02. 2023
3.5 million people in the UK have been diagnosed with diabetes, while an additional half a million a...
Different Types of Life Insurance Policy
Posted in category: Types of Cover | Last updated: 11. 07. 2025
Life insurance allows people to take ease in the knowledge that their dependents will be financially...
What happens to a life insurance policy after a divorce?
Posted in category: General Advice, Exclusions | Last updated: 16. 05. 2025
According to the Office of National Statistics, 42% of marriages in England and Wales end in divorce...
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...
Family life insurance
Posted in category: Types of Cover | Last updated: 07. 02. 2025
Family life insurance provides essential financial protection for your loved ones in the event...
High risk life insurance
Posted in category: Types of Cover | Last updated: 23. 05. 2025
Old age, unhealthy habits, and dangerous hobbies can all make you ‘high risk’ in the eye...
How Insurers Calculate Premiums
Posted in category: General Advice | Last updated: 16. 05. 2025
Ever wondered why your life insurance policy costs as much as it does? Or why the cost of your exist...
How much cover do you need on your life insurance?
Posted in category: General Advice | Last updated: 02. 02. 2023
Life insurance is the best way to make sure that your family can support themselves in the event of...
How to make a life insurance claim
Posted in category: General Advice | Last updated: 23. 05. 2025
Dealing with the death of a loved one is never easy, and navigating through the legal process can ad...
Income Protection Insurance
Posted in category: Types of Cover, Additions & Extras | Last updated: 08. 06. 2023
Our lives these days are racked with financial worries, so an income protection insurance policy tha...
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...
Single vs. Joint Life Insurance for Couples
Posted in category: Types of Cover | Last updated: 20. 01. 2025
In a long-term relationship, it’s important to have open and honest conversations about your f...
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...
Life Insurance when Pregnant
Posted in category: Types of Cover, Exclusions | Last updated: 23. 05. 2025
Taking out life insurance while you are pregnant is an important step in securing your family’...
Life Insurance and Tax
Posted in category: General Advice | Last updated: 02. 02. 2023
A life insurance policy can ease the financial burden on your family if you die by paying out either...
Life Insurance - Do You Need It?
Posted in category: General Advice | Last updated: 15. 01. 2025
Life insurance is a crucial financial tool that provides a financial safety net for for your loved o...
Life Insurance for Diabetics
Posted in category: Types of Cover, Exclusions | Last updated: 22. 06. 2023
Living with diabetes undoubtedly brings its own unique set of challenges, and securing the right lif...
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...
Life Insurance For Over 50s
Posted in category: Types of Cover | Last updated: 14. 11. 2023
As a general rule life insurance costs increase in line with how old you are. This means that you sh...
Life insurance for smokers
Posted in category: Exclusions, Types of Cover | Last updated: 09. 02. 2023
Smoking is almost as popular as it is dangerous. The serious health risks associated with a smoking...
Life Insurance - Funeral Cover
Posted in category: Types of Cover, Additions & Extras | Last updated: 30. 06. 2025
According to SunLife's annual Cost of Dying Report 2025, passing away currently costs an average...
Life Insurance: Small Print and Policy Exclusions
Posted in category: Exclusions, General Advice | Last updated: 23. 05. 2025
While the principles behind life insurance are fairly straightforward, with the range of policies av...
Life Insurance vs. Mortgage Life Insurance
Posted in category: Types of Cover | Last updated: 02. 02. 2023
There are a variety of particular reasons why you might want to purchase a life insurance policy, wh...
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...
Mortgages and Life Insurance
Posted in category: General Advice | Last updated: 12. 05. 2025
Buying a home is one of the most significant financial decisions you'll make, and for most peopl...
Pension Term Assurance
Posted in category: Types of Cover | Last updated: 13. 05. 2025
Until the end of 2006, pension term assurance was available as a form of life insurance that could b...
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...
What's the right age to take out life insurance?
Posted in category: General Advice | Last updated: 23. 05. 2025
Few of us like to contemplate our own deaths, but is an inevitable fact of life, and one that can be...
How Drinking and Smoking Affect Life Insurance Costs
Posted in category: Exclusions, General Advice | Last updated: 23. 05. 2025
In the UK 57% of adults drink alcohol and 15.1% smoke cigarettes. The health risks of both are widel...
The Costs of Starting a Family
Posted in category: General Advice | Last updated: 20. 05. 2025
Starting a family is an exciting and fulfilling time in a couple's life, but it comes with a hos...
Types of Life Insurance
Posted in category: Types of Cover | Last updated: 21. 03. 2025
Life insurance is an essential financial product that provides security and peace of mind for indivi...
Writing life insurance in trust
Posted in category: General Advice | Last updated: 15. 01. 2025
Life insurance can provide essential financial security for loved ones in the event of your death. H...
Critical Illness Cover
Posted in category: Additions & Extras, Types of Cover | Last updated: 28. 10. 2024
Depending on your reasons for wanting to take out private medical insurance in the first...
A Guide to Mis-Sold Life Insurance
Posted in category: General Advice | Last updated: 28. 03. 2025
Life insurance is an essential financial product designed to provide peace of mind and financial sec...
A Guide to Writing a Will
Posted in category: General Advice | Last updated: 20. 05. 2025
Creating a will is one of the most important steps you can take to ensure your wishes are respected...
Accident, Sickness and Unemployment Insurance
Posted in category: Types of Cover | Last updated: 13. 03. 2025
Accident, sickness and unemployment insurance (ASU) is designed to provide financial support when yo...
Choosing a Will Executor
Posted in category: General Advice | Last updated: 14. 05. 2025
There comes a point in most people’s lives when they want to make sure that they’re esta...
Does mental health affect my life insurance?
Posted in category: Exclusions | Last updated: 28. 03. 2025
Mental health plays a significant role in many aspects of life, including financial planning and ins...
Does my job affect my life insurance?
Posted in category: General Advice | Last updated: 20. 05. 2025
When applying for life insurance an insurer will consider a variety of factors to assess how likely...
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...
Life Insurance FAQs
Posted in category: General Advice | Last updated: 13. 05. 2025
With so many types of life insurance policy available in the UK, it can be confusing for the best of...
Life insurance investment bonds
Posted in category: General Advice | Last updated: 21. 05. 2025
Investment bonds are a type of investment that could be used as an alternative to life insuranc...
Life Insurance Jargon Buster
Posted in category: General Advice | Last updated: 21. 05. 2025
If you have a family and financial responsibilities, you’ll likely want to take out a life ins...
Should I take out multiple life insurance policies?
Posted in category: General Advice | Last updated: 28. 03. 2025
Life insurance is a vital financial tool that provides security and peace of mind for you and your l...
Should I retire abroad?
Posted in category: General Advice | Last updated: 23. 05. 2025
If you dream of living out your golden years on balmy Portuguese beaches or French vineyards, you ma...
Waiver of Premium Explained
Posted in category: General Advice | Last updated: 07. 03. 2025
Typically, if you miss a monthly premium with life insurance products, your policy will be cancelled...
How much does a funeral cost?
Posted in category: Uncategorized | Last updated: 23. 05. 2025
A funeral is a cost that one that no one wants to think about, but we can remain fairly sure it will...
Life Assurance vs Life Insurance
Posted in category: Uncategorized | Last updated: 15. 01. 2025
When planning for the future and considering financial protection for loved ones, many individuals f...
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...
Do I need life insurance if I’m single?
Posted in category: Uncategorized | Last updated: 16. 05. 2025
Life insurance is usually seen as being a way to protect those who are dependent on you, namely your...
Does my family history affect my life insurance?
Posted in category: Uncategorized | Last updated: 23. 05. 2025
Life insurance is, by nature, a complicated business. In order to create life insurance policies tha...
Endowment Policies
Posted in category: Uncategorized | Last updated: 23. 05. 2025
Endowments are an old-fashioned type of investment, originally created to pay off mortgages. As pay...
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...
Redundancy insurance
Posted in category: Uncategorized | Last updated: 12. 05. 2025
In an uncertain economic climate, redundancy insurance can provide a vital safety net for individual...
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...
Top Life Insurance Tips
Posted in category: Uncategorized | Last updated: 15. 05. 2025
Life insurance can feel like a complex beast to navigate. But fear not – we’re divulging...
What To Do If You’ve Been Declined Life Insurance
Posted in category: Uncategorized | Last updated: 21. 05. 2025
Don’t be disheartened if your first life insurance application was unsuccessful. Different ins...
Life Insurance Calculator
Posted in category: Uncategorized | Last updated: 02. 02. 2023
People commonly misjudge how much life insurance they need. They either overestimate, splashing out...
What does a life insurance medical exam involve?
Posted in category: Uncategorized | Last updated: 22. 05. 2025
Some life insurance companies may require you to undergo a medical examination before providing you...
Life insurance and coronavirus: Am I covered?
Posted in category: Uncategorized | Last updated: 23. 05. 2025
As more is known about the novel coronavirus and how it impacts our health, more is known about how...
Gifting Money to Children and Grandchildren Explained
Posted in category: Uncategorized | Last updated: 06. 03. 2025
While most people plan on gifting money to children and grandchildren after they die, increasing num...
Life insurance for mums & single mothers
Posted in category: Uncategorized | Last updated: 07. 03. 2025
Being a mum is one of the most rewarding yet financially demanding roles. Whether you are a working...
Over 50s life insurance vs funeral plans
Posted in category: Uncategorized | Last updated: 13. 03. 2025
Planning for the future is essential, especially when considering how to cover funeral costs. Two po...
Over 60s life insurance
Posted in category: Uncategorized | Last updated: 04. 06. 2025
Taking out life insurance is something people start to think about as they get older. Whether it&rsq...
What to do when someone dies
Posted in category: Uncategorized | Last updated: 15. 01. 2025
The death of a loved one is an incredibly emotional and difficult time, and in addition to grieving,...
Over 70s life insurance
Posted in category: Uncategorized | Last updated: 29. 05. 2025
As you get into your 70s, you may - if you haven’t already - start thinking about leaving some...
Is over 50s life insurance worth it?
Posted in category: Uncategorized | Last updated: 02. 02. 2023
Many people take out term life insurance policies to cover them while they’re working, raising...
How life insurance for over 50s can help your family
Posted in category: Uncategorized | Last updated: 02. 02. 2023
An over 50s life insurance policy will provide a guaranteed pay-out of a few thousand pounds to your...
How to Compare Life Insurance Quotes
Posted in category: Uncategorized | Last updated: 16. 02. 2024
In the age of the internet, it’s never been easier to compare life insurance quotes. With the...
Is Critical Illness Cover the Same as Life Insurance?
Posted in category: Uncategorized | Last updated: 16. 02. 2024
It’s not always easy to speak openly about the chances of becoming seriously ill to the point...
Life Insurance vs Income Protection
Posted in category: Uncategorized | Last updated: 13. 06. 2023
No one wants to think of death or illness, but to ensure that you and your family are always protect...
Claiming Life Insurance When You Are Alive
Posted in category: Uncategorized | Last updated: 06. 06. 2025
Most life insurance policies won’t allow you to make a claim while you’re still alive. T...
Top Tips on How to Find the Best Life Insurance
Posted in category: Uncategorized | Last updated: 29. 07. 2024
When you’re enjoying the best years of your life, it can be daunting to have to plan ahead to...
Life Insurance in Retirement: Is It Really Necessary?
Posted in category: Uncategorized | Last updated: 02. 02. 2023
Everyone wants to ensure that their family is looked after when they’re gone. With funeral cos...
How Much Does Life Insurance Cost
Posted in category: Uncategorized | Last updated: 02. 02. 2023
We all want to make sure our loved ones can lead happy and fulfilling lives in the event of our abse...
Term vs. Whole Life Insurance: Which Policy Is Right for You?
Posted in category: Uncategorized | Last updated: 02. 02. 2023
Life insurance policies offer you a way to look after your family even after you’re gone. By p...
Why Landlords Should Consider Mortgage Life Insurance
Posted in category: Uncategorized | Last updated: 02. 02. 2023
For the majority of landlords, handling 100 different tasks and dealing with property maintenance is...
Do Renters Need Life Insurance?
Posted in category: Uncategorized | Last updated: 05. 06. 2023
Do you really need life insurance if you’re a renter? Typically, owning a home is the biggest...
Moving Abroad? You Might Need a New Life Insurance Policy
Posted in category: Uncategorized | Last updated: 28. 10. 2024
Many UK residents dream of seeking out warmer climes, especially during retirement. When compared wi...
Life Insurance with Free Gifts: Finding a Deal
Posted in category: Uncategorized | Last updated: 08. 06. 2023
Looking for the right life insurance policy can feel overwhelming at times. After all, there’s...
Do Empty Nesters Need Life Insurance
Posted in category: Uncategorized | Last updated: 08. 06. 2023
There are moments in our lives that are so monumental that they become some of our most precious and...
Finding Life Insurance When You Have a Disability
Posted in category: Uncategorized | Last updated: 20. 06. 2024
As of 2022, 14.6 million people in the UK are disabled, making up 22% of the total population. The p...
How to Avoid Life Insurance Scams
Posted in category: Uncategorized | Last updated: 08. 06. 2023
When you’re looking for the best life insurance for your specific needs, it’s difficult...
What Happens to Your Debts When You Die?
Posted in category: Uncategorized | Last updated: 06. 09. 2024
Although death isn’t an easy topic to talk about, it’s important to understand what will...
Life Insurance vs Health Insurance: Which One Is Right for You?
Posted in category: Uncategorized | Last updated: 11. 04. 2025
When it comes to finding the right life or health insurance policy to suit you and your family&rsquo...
Do You Pay Inheritance Tax on Life Insurance
Posted in category: Uncategorized | Last updated: 13. 11. 2024
Life insurance is a vital safety net for families across the UK. With a generous life insurance payo...
Could Life Insurance Help the Sandwich Generation?
Posted in category: Uncategorized | Last updated: 13. 06. 2023
The term “sandwich generation” is in reference to people within a particular age group (...
Life Insurance With Cancer
Posted in category: Uncategorized | Last updated: 13. 06. 2023
One in two people will be diagnosed with cancer at some point in their lives. This is already a worr...
Is Life Insurance Worth It
Posted in category: Uncategorized | Last updated: 14. 06. 2023
For people looking to buy life insurance, there may be some questions or concerns that come out of y...
How Life Insurance Could Help Your Child Access Higher Education
Posted in category: Uncategorized | Last updated: 14. 06. 2023
When you’re raising children and looking out for what’s best for them, it’s not un...
Life Insurance Beneficiaries: The Complete Guide
Posted in category: Uncategorized | Last updated: 14. 06. 2023
Getting a life insurance policy is crucial if you want to support your loved ones financially after...
Do I Need Life Insurance for a Mortgage
Posted in category: Uncategorized | Last updated: 22. 06. 2023
There is no legal requirement to take out life insurance when applying for a mortgage. However, that...
Life Insurance with Epilepsy
Posted in category: Uncategorized | Last updated: 16. 06. 2023
Life insurance is a crucial part of financial planning. It offers peace of mind that your loved ones...
Does Life Insurance Pay Out for Suicide
Posted in category: Uncategorized | Last updated: 16. 06. 2023
Talking about suicide can be difficult, but it’s an important topic to discuss with your life...
How to Find a Relative's Life Insurance
Posted in category: Uncategorized | Last updated: 16. 06. 2023
The passing of a loved one is always a difficult and emotional time. Not only are you dealing with t...
Life Insurance for Business Owners
Posted in category: Uncategorized | Last updated: 21. 06. 2023
As a business owner, you understand that your business is more than just a job – it’s a...
How to Prepare for Your Own Death
Posted in category: Uncategorized | Last updated: 21. 06. 2023
Contemplating one's own mortality can be a challenging and emotionally charged experience. However,...
Can You Take Out Life Insurance for Someone Else
Posted in category: Uncategorized | Last updated: 22. 06. 2023
Life insurance is a crucial aspect of financial planning, offering you and your loved ones peace of...
Life Insurance for High BMI
Posted in category: Uncategorized | Last updated: 31. 01. 2025
Navigating the world of life insurance can be a daunting experience for anyone, but it can be especi...
A Guide to Contesting a Will
Posted in category: Uncategorized | Last updated: 22. 06. 2023
Dealing with the loss of a loved one is never easy, and when disputes arise over the distribution of...
Can a Pet be a Beneficiary of Life Insurance?
Posted in category: Uncategorized | Last updated: 22. 06. 2023
As an integral part of your family, your pets often become recipients of your deepest affections and...
Group Life Insurance for Employees
Posted in category: Uncategorized | Last updated: 22. 06. 2023
Running a successful business isn't just about crunching numbers, increasing profit margins, and cre...
Life Insurance for the Self Employed
Posted in category: Uncategorized | Last updated: 28. 07. 2023
Being self employed comes with a unique set of challenges and risks, but it can also be an incredibl...
10 Reasons Your Life Insurance Won't Pay Out
Posted in category: Uncategorized | Last updated: 10. 10. 2024
Life insurance acts as a security blanket for your loved ones when you’re no longer around to...
Is Vaping Classed as Smoking for Life Insurance?
Posted in category: Uncategorized | Last updated: 28. 07. 2023
Vaping is seen as less harmful than cigarettes and is often used by smokers to help them quit their...