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Mortgages and insurances can be complicated. We tell you all the information you need to know in a way that’s easy to understand, whilst searching the whole of market for the best fit product for you.

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What kind of protection do I need?

Term life insurance is a type of life insurance that provides coverage for a specific period, such as 10, 20, or 30 years. If the insured individual passes away during the term of the policy, a tax-free payout is made to the beneficiaries. Term life insurance is often chosen to provide financial protection during the years when the insured has significant financial obligations, such as mortgage payments or dependents to support.

Whole life insurance is a type of life insurance that provides coverage for the entire lifetime of the insured individual. It offers a guaranteed payout to the beneficiaries upon the insured’s death, as long as the premiums are paid. Whole life insurance also accumulates a cash value over time, which can be accessed or borrowed during the policyholder’s lifetime. This type of insurance offers lifelong financial protection and can serve as an investment vehicle.

Critical illness insurance provides financial protection in the event that the insured individual is diagnosed with a critical illness covered by the policy. Upon diagnosis, a lump sum payment is made, which can be used to cover medical expenses, lifestyle adjustments, or other financial obligations. Critical illnesses typically include conditions like cancer, heart attack, stroke, or organ failure. This type of insurance provides additional support during challenging times and can ease the financial burden associated with critical illnesses.

Over-50s life insurance is a type of life insurance designed for individuals aged 50 and above. It offers guaranteed acceptance without the need for medical exams or health questions. Premiums are typically fixed and paid until the insured’s death, at which point a lump sum payment is made to the beneficiaries. Over-50s life insurance is often chosen to cover funeral expenses, outstanding debts, or to leave a financial legacy for loved ones.

Income protection insurance is a type of insurance that provides a regular income replacement if the insured individual becomes unable to work due to an illness, injury, or disability. It offers a percentage of the insured’s pre-disability income, usually up to 70%, to help cover essential expenses during the period of incapacity. Income protection insurance provides peace of mind by ensuring a continued income stream when unable to work, allowing individuals to focus on recovery without financial stress.

Children’s critical illness cover is a type of insurance that provides financial protection in the event that a child covered by the policy is diagnosed with a critical illness. If the child experiences a covered critical illness, a lump sum payment is made, which can be used to cover medical expenses, specialist treatments, or other financial needs. Children’s critical illness cover provides parents with added support during difficult times, helping them focus on their child’s well-being without worrying about the associated costs.

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Key things to consider when applying for protection...

When applying for life insurance, several key factors should be considered. These include; your age, overall health, lifestyle choices (such as smoking or engaging in high-risk activities), the coverage amount you need, and the duration of cover required. Additionally, your occupation and any pre-existing medical conditions may also impact the application process and premium rates. It’s important to assess these factors carefully to ensure you choose the right life insurance policy that meets your needs.

Your health plays a significant role in your life insurance application. Insurers typically require applicants to undergo a medical examination or provide detailed health information to assess their risk profile. Factors such as pre-existing medical conditions, family medical history, and current health status can influence the premium rates and eligibility for coverage. It’s essential to provide accurate and honest information about your health to ensure a smooth application process and to avoid any complications in the future.

Engaging in high-risk activities, such as extreme sports or occupations with inherent dangers, can affect your life insurance application. Insurers consider these activities as increased risks, which may result in higher premiums or specific exclusions in coverage. However, it’s still possible to obtain life insurance coverage, albeit at potentially higher rates. It’s crucial to disclose any high-risk activities upfront and work with an experienced life insurance advisor who can help you find suitable coverage options.

Age is an important consideration in life insurance applications. Generally, younger individuals tend to qualify for lower premiums as they are perceived to have a longer life expectancy and lower health risks. However, that doesn’t mean older individuals cannot secure life insurance coverage. There are specific policies designed for seniors or individuals over a certain age. It’s recommended to explore different options and work with a knowledgeable advisor to find the most suitable coverage based on your age and financial circumstances.

The cover amount and term you choose for your life insurance policy can affect your application. Insurers assess the level of cover and term based on factors such as your income, financial obligations, and future needs of your dependents. It’s essential to evaluate your current and anticipated financial circumstances to determine an appropriate cover amount and term. This will ensure that your loved ones are adequately protected financially in the event of your passing.

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FAQs: Insurance and protection

Life insurance is an important consideration if you have dependents who rely on your income, such as a partner or children. It can provide financial security for your loved ones in the event of your unexpected death and can help to cover expenses like funeral costs and outstanding debts.

Yes, you can usually change your life insurance policy if your circumstances change or if you need to adjust your coverage. This might involve increasing or decreasing your level of cover, or changing the term of your policy. It’s important to speak to your insurance provider to discuss your options.

The cost of life insurance will vary depending on the amount of cover. The more cover you have, the higher your monthly premium will be. Every life insurance quote will be personalised to you and your lifestyle. There are several things that are considered in a life insurance quote.

The amount of coverage you need will depend on your personal circumstances, including your income, debts, and the number of dependents you have. A good rule of thumb is to aim for coverage that is 10-12 times your annual income.

The cost of traditional life insurance will depend on a variety of factors, including your age, health, and lifestyle habits. Generally, the younger and healthier you are, the lower your premiums will be.

Choosing the right traditional life insurance policy can be overwhelming, but a qualified insurance agent can help guide you through the process. They can assess your needs and help you compare policies from different providers to find the one that is the best fit for you and your loved ones.

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Explore Protection

Protecting you and your loved ones from life's unexpected events.

We work with top insurers to offer a variety of insurance products tailored to your specific needs. From life insurance to critical illness cover and income protection, we’ll help you find the right protection for you and your family.

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