Protection Guides

Term life insurance is the cheapest, most basic form of life insurance. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.

Decreasing term life insurance covers you for a set term and pays out a lump sum if you die during the policy term.

Critical illness insurance pays out either a lump sum or regular monthly income if you are diagnosed with a qualifying serious illness during the term of the policy.

Income protection insurance or permanent health insurance aims to give you an income if you can't work in the event of sickness or illness.

With accident, sickness & unemployment policies, you pay for an amount of monthly cover - usually between £0 and £1,500 - and if you lose your job or can't work, you get that amount of money each month to spend how you like.

Whole of Life Insurance cover is for the whole of your life. Unlike term insurance, which only pays out if you die during the policy term.

When you take out a life insurance, critical illness or income protection insurance policy there is a built in up front fee added to your payments.

Mortgage protection insurance is an important part of your mortgage requirements.

Life Insurance info is our quick reference to all the main life insurance terms used on the Go Directs Life Insurance section

With an over 50's life insurance you receive a cash sum if you die at any time after the first two years of the plan.

If you looking for an over 50's life insurance our simple tables below will quickly show you the amount of cover you could receive for a set premium.

The main benefit of an over 50's life insurance is that you are guaranteed the cover even if you have an underlying medical condition.

If you have a family then having the right amount of family life cover is essential.

>Calculating the how much life cover you need to settle all of your debts is quite simple.

Did you know that over half of term insurance policies do not offer indexation options?

Have you have been putting off taking out your life insurance or just need it immediately?

When you ask for a life insurance, critical illness or income protection insurance quote there are several things that affect the rates offer.

Relevant Life Insurance Plans are similar to term life cover and a pay out a lump sum on death of a Director or employee of a firm.

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.

If you have been putting off taking out your life insurance waiting for a medical is a delay you may not want.