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If you have a spouse or loved ones a Life insurance policy will make sure that they are sufficiently looked after if and when you might leave their lives due to death.
Having to think about Life insurance means contemplating death which not many of us really want to do. It is so easy to think that you will do it later, or another time, but the whole point of insurance is to insure against impromptu eventualities which none of us, unless we have crystal balls, and even then it is debatable, can foresee or plan for. If you are young when you start paying for it your premiums will be cheaper because the likelihood of anything happening to you is so much less.
It is not just the mortgage repayments that will need covering but anyone who may be financially dependent upon you will more likely than not need some assistance too.
Mortgages tend to be the biggest debt that most people have so this should always be catered for with any Life insurance but also there needs to be enough funds to support your family as they will still be there and growing up and have needs even if you are not there to provide an income for them.
You owe it to your family to leave them in a position where they are able to carry on through their lives without you. Emotionally there is very little that you can do to help them along but financially you can go a long way to ensuring that that part of their life is secure without you.
We have a detailed guide to life insurance rates where you can read about the factors that could affect the price you pay. There also guides to how much life cover your need and if indexation is option you might consider.
Are you in A1 health ?
AIG Life also have a unique plan that aims to have you Instantly covered for life insurance today. This plan has a simplified set of health questions and offers different levels of instant cover. Below is a table of the maximum cover available for an instant life insurance plan without a medical.
Your Age | Maximum Cover Amount |
---|---|
17-40 | £750,000 |
41-45 | £600,000 |
46-55 | £350,000 |
56-59 | £200,000 |
Correct as of the 01/06/2024
With Go Direct our advisors will help to try and find you the cover that is right for you. If the amount of life cover you need meets the limits for one specific insurance company they will be able to advise you.
All of this service is available with our discounted Online Life Insurance rates. We sacrifice up to 50% of the initial set up commission back into your policy. No gimmicks, cash backs in a year, no gift cards just great low rates from the start of your plan. will be on our cheap life insurance rates from the instant your start your policy.
After you have compared the life insurance information on Go Direct if you would like Life Insurance Advice, please complete our life insurance enquiry form and we will contact you to discuses your insurance needs.