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How do I know which type of life insurance is right for me?

Getting an insurance policy is easy. Choosing the right one needs a lot of care and planning and our independent advisers are here to help you with your decisions.

You will need to take a look at your life, do you have a mortgage, young children and maybe a stay-at-home partner? If this is the case, then you will need to insure yourself in a manner in which if you were to die, your family would be financially taken care of. You will also need to plan your premiums so that they fall within your budget.

  • There are policies where the premiums decrease over the years and others where there is a fixed sum payable.
  • There are single insurance policies and joint policies where a husband and wife can be covered and the survivor is taken care of financially.
  • There are policies that can be renewed or reviewed after a few years so this gives you the option to decide at a future date if you want the policy to continue, whether you want to end it or whether you want to increase it.
  • There are add-on policies too which you can add on to your main insurance policy.
  • As you grow older, you might want to add a critical illness cover to your life insurance policy.

A bit of thought and advice before you decide on an insurance policy is always a good thing because you need to think it through. Remember our trained and independent advisers are here to help and advise you with your decisions. On completion of our quick and easy form an adviser will contact you and answer all your questions.

Types of life insurance

  • Single life insurance

    Life insurance to cover the life of one person. But what else is there to know?

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  • Joint life insurance

    A joint life insurance policy to cover two people (cohabiting, in a relationship etc).

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  • Level term life insurance

    A life insurance policy that pays out the same throughout the policy term.

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  • Decreasing term life insurance

    This cover decreases throughout the life of the policy, usually in line with a mortgage.

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  • Critical illness cover

    You don't just have to get cover for your life - consider what would happen if you were to become seriously ill.

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  • Life insurance with critical illness cover

    A combined insurance policy that pays out upon death or if you become very ill.

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  • Mortgage protection cover

    Not to be confused with mortgage PPI, this life insurance would help to pay a mortgage off.

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  • Mortgage protection cover with critical illness cover

    Similar to mortgage protection life insurance but also pays out if you develop a critical illness.

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  • Family income benefit cover

    Instead of a lump sum this would pay a fixed monthly amount to your family if you pass away.

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  • Convertible term life insurance

    A flexible type of life insurance; you can switch it to a different life insurance variation later in the term.

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  • Guaranteed life insurance

    No medical required and this type of policy is available to anyone and everyone, regardless of circumstances.

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  • Reviewable life insurance

    Every few years this policy can be "reviewed" to see if the level of cover that you have chosen is still appropriate.

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How to choose

You can select the length of your ideal life insurance quote and also the maximum value of the policy. Use the sliders and then continue to get a free quote.

Length of life insurance

For how many years do you think your family will need to rely on you financially and in how many years will they be able to be financially independent? Some people like to choose a policy that takes them to when the children turn 21, for example.




You have selected 20 year


Maximum value of life insurance

There really isn't a definitive answer for this question but try to factor in the value of your mortgage that needs paying off, a few years of your salary and the values of any debts that will need paying.


MIN £5000

MAX £500,000

You have selected ?10000


Compare affordable quotes from UK life insurance providers such as:

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