UK Life Insurance Cover

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• Frequently Asked Questions

Is Life Insurance for me?

• What is Life Insurance?
• Life Insurance - why do I need it?
• How can I make sure that my mortgage is paid off when I die?
• Does Life Insurance have to be associated with a mortgage?
• What kind of insurance do I need if my mortgage is Interest Only?
• What kind of insurance do I need if I have a Repayment Mortgage?
• How do I protect my monthly mortgage payments if I’m off work because of sickness or unemployment?
• Should I consider Critical Illness cover instead?

What else do I need to know about Life Insurance?

• Can you help me with the terminology?
• What do I need to know about Life Insurance?
• How does level cover insurance work?
• How does decreasing cover insurance work?
• Should I add Terminal Illness cover?
• Should I consider Mortgage Life Insurance instead?
• What’s the difference between joint cover and single cover?
• Is there any investment value in my policy?
• How does Critical Illness cover work?
• How is Mortgage Life Insurance different from Life Insurance?

How do I get a Life Insurance Quote?

• I need an insurance quote immediately. What do I do?
• What personal details will I need to provide to get a quotation?
• Why is Life Insurance such good value if I purchase online?
• What’s the role of the Life Insurance Broker?
• What else do I need to know about buying insurance on the Internet?
• Do I have to pay the Life Insurance Broker a fee?
• Will my Mortgage Lender or Broker not expect me to buy life insurance from them?
• Will my Mortgage Lender charge a fee if I buy my Life Insurance from someone else?
• Once I’ve got my quote, what’s the next step?

How do I choose the right policy for me?

• What level of cover do I need?
• How long should the cover be for?
• Should the cover be on joint lives or single lives?
• Should my policy be written “in Trust”?
• Is a medical absolutely necessary?
• Which optional extras are important?
• Is combined Life Insurance and Critical Illness Insurance a good approach?
• What if I pay off my mortgage – can my Life Insurance still run?

What if I need cover to be arranged quickly?

• Can I get a quote for Life Insurance straight away?
• I have a quote, what should I do next?
• How quickly will my application be processed?
• When does my cover start?
• What if I need the cover immediately in order to arrange my mortgage?
• Why do delays occur?

How are premiums calculated?

• What is the premium?
• How much will it be?
• Is it best to have guaranteed or reviewable premiums?
• If I’m asked to supply more information or go for a medical, will the premium increase?
• Will my premium payments be the price I was quoted?
• Could I end up paying more for insurance than someone else the same age?
• Is my premium a fixed price?
• What factors can add to the price?
• Why is insurance more expensive for smokers?
• What impact does my age have on my premium?
• How does my medical history affect things?
• What happens if I don’t pay my premiums?

What if I have to make a claim?

• How do I go about making a claim?
• Can I still claim if I have lost my policy?

Do I need Mortgage Life Insurance instead?

• What if I have a Repayment Mortgage?
• How much cover do I need?

Should I consider Critical Illness cover?

• What are the benefits of Critical Illness Insurance?
• Which illnesses qualify as critical?
• How do I select the right level of employment cover?
• When can I claim with Critical Illness cover?

What other sorts of Insurance should I think about?

• Why would I want Mortgage Payment Protection Insurance?

How do I make a complaint?

• How do I make a complaint about a Life Insurance Company?
• How do I make a complaint about a Life Insurance Broker?
• What should I do about misleading advertising?

What do I need to know about the law and Life Insurance?

• How does the law relate to my purchase of Life Insurance?
• What’s important about the Financial Services and Markets Act (2000)?
• How does the law affect Life Insurance sold on the Internet?
• What do I need to know about the FSA?
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