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Life Insurers Uk | Compare Finance DealsTop UK Insurers Quotes

*Life Insurance *Critical Illness *Income ProtectionUK Life Insurance Quote Comparison > 15 Secs

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British Friendly Income Protection Quotesroyal london quote on life insuranceVitality Life Insurance Quote

(Best Broker Deals: 22/2/2024)

* ‘Life Insurance Quote’ Price Warnings | ‘CRITICAL ILLNESS’ versus ‘TERMINAL ILLNESS’


*No obligation quote financial services – after you ‘Compare Life Insurance Quote’you maybe contacted by an FCA Regulated Broker

UK Life Insurance Quote7 x BROKER FAQ | ‘Compare Life Insurance Quote’ (2/2024)

*Why is optional ‘Critical Illness’ more expensive vs ‘Terminal Illness’?

The reason being that the chances of any person making a critical illness policy claim or an income protection claim payment before retirement are statistically much much higher than life cover only (see below infographics).

eg; 1/2 people will get cancer in their lifetime | Every 12 mins someone has a stroke | Every 7 mins someone has a heart attack | 1/3 claim on critical illness | 1/4 claim on income protection | 1/10 claim on life cover | 1/20 claim on total & permanent disablement etc;

Note: Most Life Insurance policies do however include free ‘Terminal Illness cover’ benefit. It sounds the same but this means a death claim will be paid in advance. It applies usually if you have less than 12 months to live ie; terminally ill.

Compare Life Insurance Quote Cost Note: If you do include optional critical illness cover quote (whether quoting for intergrated or more expensive additional benefits) then the far higher monthly premium quote will reflect this than lifecover alone. On a budget? Then requote broker deals for just life insurance cover with terminal illness only.

Both critical Illness or quotes for income protection are roughly 4 x the price of a ‘life insurance quote’ alone (Unsure what each benefit is, then please check out our explanations. Then get another free quote life insurance broker deal).

An average critical illness policy could cover you for over 50 different types of illness but most claims relate to the Top 3 types of Cancer, Heart Disease or Stroke ie; AIG state over 80% of their main 3 adult claims relate to these.

Quote for Life Insurance Cover | Chances of making a claim
Chances of making a claim before retirement are statistically quite high unhappy face stats changing re Pandemic
'Quotes about Life Insurance' & Critical Illness Cover UK claims
Insurance re Critical Illness | Risks of Cancer, Heart Attack, Stroke | Vitality Life stats*
critical illness v terminal illness quote about life insurance
Life Insurance Quote Comparison | Critical Illness v Terminal Illness Cover

UK Life Insurance Quote Comparison

Our broker UK ‘Life Insurance Quote Comparison’ allows you to compare online in 15 secs, best deals for family life insurance, critical illness, mortgage protection & quotes for income protection.

Use this to do a FREE Life Insurance Quote Comparison based on any multiple of insurance comparison quote options. Note: You may not be able to do a term life quote if you are aged over 70. The maximum term plan runs upto age 90.

In this instance, please complete our no obligation insurance compare quotes broker enquiry form for either term or whole life options. Get a life insurance quote compare broker deal & help.

*Can 1 person have 2 or more Life policies?

Yes. Absolutely, it is legal to have several life insurance policies eg; You could have cover for your mortgage in the event of death or serious critical illness coverage claim plus another separate lifecover to help protect the main family breadwinner’s income.

Many people also have life insurance benefits through their employer, which usually runs until you retire. So, you may choose to compare quotes on life insurance for 1 policy that runs upto retirement & another policy alongside that runs well into retirement ie; you are not left without cover then at retirement, if that concerns you.

Bear in mind, you may sometimes also get a better quote about life insurance, by sticking with one provider if they offer any broker discounts for taking out multi-cover. This may also have the benefit at a claim, of just dealing with 1 provider’s paperwork? Feel free to compare life insurance quote broker deals.

*Can you have Life Insurance with several Companies?

You can take out multiple policies with more than one life insurance company. Again, there is no UK law to prohibit this. For example, the cheapest deal for a mortgage insurance quote life policy is with Provider A, so you apply to them.

But that same insurer for a family income benefits policy is now alot more expensive. So you get a quote for life cover and then apply to Provider B for this instead.

Note, most insurers will ask in their application forms the total amount of cover types you maybe applying for across all Providers. You can potentially claim on as many valid life insurance plans as needed, when doing quotation or quotes about life insurance.

*2 x Single Plans or Joint ‘Quotes on Life Insurance’?

Under a joint life policy, it means both parties are insured for the same amount. However, if a claim is made then the benefit is paid out upon that 1’st claim only, the joint plan then ends. This makes sense for example if you are a married couple covering a joint mortgage with life insurance upon 1’st death only. It is also usually cheaper than taking out 2 x individual policies, as the Insurer only has to payout once.

However, sometimes it makes sense instead to do say a family quote on life insurance for 2 x separate plans [also known as dual life insurance]. This could be because you are not married but still have young dependent children. You are both therefore concerned if one dies or has a critical illness then the other still has cover.

Martin Lewis on Life Insurance always says, if unsure then seek professional advice what maybe best for your personal or business situation.

*Is Vaping still Smoking on a ‘Quote for Life Insurance’?

If you have quit smoking cigarettes or used any ‘replacement products’ within the past year, an insurer will still classify you as a Smoker ie; this includes the use of vapes, e-cigarettes, nicotine patches and gum. As a result, an applicant who smokes 10 cigarettes a day, maybe charged the same quotation or quote for life insurance premium, as someone who vapes.

You may feel different and should be offered insurance rates that reflect that it is maybe less harmful than smoking. Note, some Providers do charge less for vapers but check if their prices are competitive and ‘Compare Life Insurance Quote’ here.

However, note Insurers do look to medical science who still feels there are adverse health side effects of vaping without nicotine.

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Is Vaping still a Smoker Quote about Insurance?

Here is a typical Insurers Application Question re smoking status.

  • During the last 12 months have you smoked any cigarettes, cigars, a pipe, e-cigarettes, vaped or used nicotine replacements?
  • (All smoking products whether or not they contain nicotine)
  • A simple medical test may be required to check your answer.
  • You need to answer ‘Yes – regularly’ or ‘Yes – occasionally’.

So, if you do vape eliquids but wrongly state that you are a non smoker, it could invalidate your policy and sadly result in an unsuccessful claim. An insurer has the right to request your medical records either at outset (or upon claim) to clarify your medical history. So ensure when you are doing your insurance quote life cover, you tick your correct smoker status.

*Importance of Disclosure & Claims?

When you do a “Quote for Life Insurance”, at that stage you have probably only advised the most basic information, to just get a comparison quote. A full application is still needed. In your application, most Insurers will ask lots of personal and family health & lifestyle questions to underwrite your cover.

From this full disclosure, Insurers can then work out if the quote on life insurance price you did still stands. Or maybe costs a little more due to adverse insurance risks eg; raised BMI calculation or diabetic.

All Insurers are in business to protect, insure & payout. Insurance cover is therefore based on your full disclosure at the time you took the original underwritten insurance policy out ie; being 100% as honest & accurate as possible. It is not always easy to remember all your historic health details when applying. The Consumer Insurance Act 2013 says you must not be acting careless, deliberate or reckless when applying.

It is easy to sometimes make mistakes and rush when filling in any forms, so as the saying goes be careful to ‘tell the truth, the whole truth & nothing but the truth’ eg; Not disclose if you familial history of raised blood pressure or cholesterol (even if it costs more). If so, it may not payout !

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‘It’s important for them – you disclose your correct details’

Should you make a claim, your Insurers will send you a claim form for you to complete. Once received back, they will usually contact your GP to confirm any health details. They will then assess if your insurance claim is valid and cross check if you originally disclosed all the correct details.

If you look any Life Insurers UK and their recent claims payout, you will see that it maybe very good at around 98/99% (but like most Insurers – probably not 100%). Get a free quote life insurance deal here.

*Should I put my policy into Trust?

When you first do a ‘quote on life insurance’, you are probably not thinking about the legal and financial consequences at point of claim, to your loved ones? You are just after the best value deal, when you say ok google life insurance.

However, if a life insurance policy isn’t written into trust, this means the Insurance Company is now unaware whom the benefits should be paid to on a death claim. If you made a will, it can be paid to the executors of the deceased’s estate.

They will handle the administration, known as probate in N Ireland, England, Wales and confirmation in Scotland. If you have not made a will, the life insurance benefits will fall into your estate if you died prematurely.

So as such, If you have not made a will this can then cause further complications with the correct distribution & speed of payout of the life insurance monies.

Until probate is fully granted, no monies can be paid out to those named in the will. On average, this can take upto 6 months. By not placing the life insurance plan into trust, this may then also swell up the total estate values, leading to potentially Inheritance Tax IHT issues.

So placing a policy in trust can help to ensure that the death insurance policy proceeds go to the correct beneficiaries you decide to nominate at that stage. It can also help avoid possible probate delays & UK Government IHT costs.

Ask the Insurers to kindly provide their available standard trust form wordings & seek legal advice if unsure. Speak to a broker who has the professional experience here, after you compare your ‘life quote insurance’ deal.

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‘Life Insurance is a combination of Caring, Commitment & Common Sense’

Howard Wight

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‘If there is anyone dependent on your income, like your partner or children, then you need life insurance’

Suze Orman

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If I had my way, I would write the word ‘insure‘ upon the door of every cottage and upon the blotting book of every public man, because I am convinced, for sacrifices so small, families and estates can be protected against catastrophes which would otherwise smash them up forever’

Winston Churchill

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A policy of life insurance is the cheapest and safest mode of making a certain provision for one’s family’

Benjamin Franklin

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‘Please don’t tell me my Mum & Dad left no life insurance’

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‘You can’t put a value on a human life, but my wife’s life insurance company made a pretty fair offer’

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I cancelled our £250,000 life insurance policy’

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‘Life Insurance could be one of the most valuable purchases you ever make for both yourself & loved ones‘.

  • You wouldn’t buy a house, without getting the correct advice from a surveyor or solicitor?
  • So it makes good sense to get Professional Advice as well google a life insurance quote deal

From our wide choice of Leading UK Insurers – Get ‘Quotes for Life Insurance’

We look forward to helping you

Article Martyn Spencer Financial Adviser Life Insurance Quotes compared (22/2/2024)

For reassurance re health for men & women we review many of the best Life Insurers selling Life Insurance in UK (inc NI)