Life Insurance in UK

Best Life Insurance in UK?

best Life Insurance in UK helps give your family financial protection should you pass away within the policy term. It lets you leave a lump sum behind – helping your loved ones maintain their living standards or pay mortgage costs.

It’s up to you how much cover you want. Our flexible protection is available from just £5 a month, and we’ll ask as few as 5 questions once you have a quote to understand if we can offer you cover.

How does best life insurance work?

Our cover pays out a cash lump sum if you pass away or are diagnosed with a terminal illness where you’re not expected to live longer than 12 months. Everyone’s circumstances are different, but here are a few things to think about before you take out cover.

Do you need best life insurance?

Life Insurance in UK - Take the time to consider how much money your loved ones might need to maintain their living standards if you were to pass away. This might include costs such as bills, mortgage repayments, school fees and any other debts you might need to repay.

How long do I need cover for?

When it comes to how long you need cover for, think about how long your kids will need financial support, or when your other half might retire.

Joint or separate life insurance policy?

If you and your partner would like combined cover, you can take out a joint policy. This pays out once and won’t provide cover for the second person after the first passes away.

You can also both take out two separate policies. So once we pay out for one person their policy will end – but the second person’s policy will continue.

Are you eligible for life insurance?

In most cases, you can get best life insurance even if you have medical conditions – you just need to tell us about them when you apply. When you’ve completed your application, we’ll let you know whether we can offer you cover, and how much it will cost.

How much cover will you need?

Your life insurance cover amount reflects how much money would be paid out if you pass away. So it’s worth considering how much your loved ones might need to pay off a mortgage or keep up repayments, settle any debts and pay for general living costs. This will depend on your personal circumstances.

Life insurance and critical illness cover

When you apply for best life insurance, you can add critical illness cover. They’re separate policies and cover you for different things, but you can buy them together.

Because they’re not combined, a successful critical illness claim won’t affect your best life insurance policy, which will still pay out if you pass away during the policy term.

Discover more about choosing between joint and separate policies with our helpful article.
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Post From: 1st Insurance