Life Insurance Guides From Money Expert
Categories
10 Ways To Save Money On Life Insurance
Posted in category: General Advice | Last updated: 03. 03. 2023
It is no overstatement that life insurance could probably be one of the most significant purchases t...
Cancelling a life insurance policy
Posted in category: General Advice | Last updated: 02. 02. 2023
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: 02. 02. 2023
Once you've taken out a life insurance policy, it is important to go over and review your cover fair...
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: 02. 02. 2023
Many employers will offer what is known as death in service benefit as part of a general employment...
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...
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: 04. 10. 2022
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: 02. 02. 2023
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: 02. 02. 2023
If you’ve got family members that depend on you financially and you’re worried about how...
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...
High risk life insurance
Posted in category: Types of Cover | Last updated: 02. 02. 2023
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: 02. 02. 2023
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: 02. 02. 2023
The time following the death of a loved one can be a deluge of paperwork and administration, as you...
Income Protection Insurance
Posted in category: Types of Cover, Additions & Extras | Last updated: 02. 02. 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...
Joint vs Single Policy Life Insurance
Posted in category: Types of Cover | Last updated: 02. 02. 2023
Many couple opt to open up joint life insurance policies to cover both partners, often paying out ju...
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: 02. 02. 2023
Given that the importance of life insurance grows with the size of your family, it is both common an...
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: 02. 02. 2023
Many people don't buy themselves life insurance due to the morbid nature of the topic. However life...
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...
Life insurance for diabetics
Posted in category: Types of Cover, Exclusions | Last updated: 02. 02. 2023
Living with diabetes can be a struggle, and it doesn’t help that life insurance providers tend...
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: 06. 10. 2020
As a general rule life insurance costs increase in line with how old you are. This means that you s...
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: 15. 03. 2022
According to SunLife's annual Cost of Dying Report 2020, passing away currently costs an average of...
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...
Life Insurance: Small Print and Policy Exclusions
Posted in category: Exclusions, General Advice | Last updated: 02. 02. 2023
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: 02. 02. 2023
Making sure that their family is still able to keep up with mortgage repayments is a major reason wh...
Pension Term Assurance
Posted in category: Types of Cover | Last updated: 02. 02. 2023
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: 07. 02. 2023
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: 02. 02. 2023
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: 02. 02. 2023
Starting a family is an exciting and fulfilling time in a couple's life, but it comes with a host of...
Types of Life Insurance
Posted in category: Types of Cover | Last updated: 02. 02. 2023
Life insurance is a kind of insurance that pays out if or when you die, depending on the particular...
Writing life insurance in trust
Posted in category: General Advice | Last updated: 03. 03. 2023
Did you know that you could avoid inheritance tax and maximise the pay-out for your loved ones by wr...
A Guide to Mis-Sold Life Insurance
Posted in category: General Advice | Last updated: 03. 03. 2023
There are few worse feelings than realising that you have been mis-sold something and unfortunately...
A Guide to Writing a Will
Posted in category: General Advice | Last updated: 02. 02. 2023
A will is a legal document that specifies what happens after you die. It is the only way to ensure t...
Accident, Sickness and Unemployment Insurance
Posted in category: Types of Cover | Last updated: 02. 02. 2023
Taking a break from work may seem nice at first but when unemployment drags on it can cause alarm as...
Choosing a Will Executor
Posted in category: General Advice | Last updated: 02. 02. 2023
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: 02. 02. 2023
Issues surrounding mental health is something that many people will experience at some point in thei...
Does my job affect my life insurance?
Posted in category: General Advice | Last updated: 02. 02. 2023
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 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...
Life Insurance FAQs
Posted in category: General Advice | Last updated: 02. 02. 2023
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: 26. 04. 2022
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: 02. 02. 2023
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: 02. 02. 2023
With most insurance products, such as home or travel insurance, it doesn’t make sense to take...
Should I retire abroad?
Posted in category: General Advice | Last updated: 02. 02. 2023
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: 02. 02. 2023
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: 02. 02. 2023
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: 02. 02. 2023
At first glance, life assurance and life insurance might seem like the same thing. An...
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: 02. 02. 2023
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: 02. 02. 2023
Life insurance is, by nature, a complicated business. In order to work out life insurance deals whic...
Endowment Policies
Posted in category: Uncategorized | Last updated: 03. 03. 2023
Life insurance can seem like a tough investment to make, seeing as by nature, the policyholder won't...
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: 03. 03. 2023
Redundancy insurance policies will pay out in the event you’re made redundant. Although these...
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: 02. 02. 2023
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: 02. 02. 2023
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: 03. 03. 2023
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: 21. 03. 2022
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: 02. 02. 2023
While most people plan to leave their money to children and grandchildren after they die, increasing...
Life insurance for mums & single mothers
Posted in category: Uncategorized | Last updated: 02. 02. 2023
Raising a child is a great responsibility, requiring years of love, education, supervision, meals, l...
Over 50s life insurance vs funeral plans
Posted in category: Uncategorized | Last updated: 02. 02. 2023
Ensuring that there is a financial plan in place for your funeral may not be something people want t...
Over 60s life insurance
Posted in category: Uncategorized | Last updated: 02. 02. 2023
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: 02. 02. 2023
It might be a morbid subject, but it’s important to know what to do when someone dies. At an a...
Over 70s life insurance
Posted in category: Uncategorized | Last updated: 02. 02. 2023
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: 02. 02. 2023
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: 02. 02. 2023
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: 02. 02. 2023
No one wants to think of death or illness, but to ensure that you and your family are always protect...
Claiming Life Insurance While You're Alive
Posted in category: Uncategorized | Last updated: 02. 02. 2023
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: 02. 02. 2023
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: 02. 02. 2023
Do you really need life insurance if you’re a renter? Typically, owning a home is the biggest...