Life Insurance, Cheap Quotes

Spend as little as possible and get the right policy

Life insurance is relatively easy to buy but with so many different types of policy on the market, you need to be absolutely sure you’ve got it right. You’ll need to decide whether you need a Single or Joint Policy (or would two single policies be better?), level or decreasing cover, should the sum insured be indexed, how long should you be insured for – these, and many other aspects, will determine whether the policy really does match your requirements. Unfortunately, there are numerous pitfalls for insurance DIY'ers - in fact industry sources report that as many as 50% of DIY'ers get it wrong!

And of course, everyone wants a bargain! No one likes paying insurance premiums, so make it as painless as possible! Make every penny count.

Professional Advice … A Great Deal … No Hassle NO OBLIGATION

Are You Paying too
much for an existing policy?

Millions of people took policies out over recent years.

But life cover is one of those rare things that has actually fallen in price – and dramatically so!

Industry sources estimate that 1 in 2 people are paying far to much for an existing policy. Are You?

Speak to the LifeSearch expert and check it out.

Cheap Life Insurance Cover Life Insurance is also known as Level Term Insurance, Term Insurance and, by some, as Life Assurance. (Unfortunately, the public are greatly confused here as Life Insurance and Life Assurance are not the same although many people continue to use the description Life Assurance when they really mean Life Insurance.) LifeSearch here for an explanation about the true differences The basic feature of life cover is that the policy pays out a tax free lump sum if the policyholder were to die during the policy’s term. (“Term” is a technical word used in life insurance to describe the length of time the cover remains in place.) Most life policies also automatically include Terminal Illness cover. This means that if the policyholder was diagnosed with an terminal illness and was not expected to survive for 12 months, then the insurance company would pay out as soon the diagnosis was made. Cheap Life Insurance The basic types of Life Insurance When you say you want life insurance cover there’s actually three types of policy that you could be refering to. So we thought you’d like to understand a bit more about life insurance cover before you asked for a cheap life insurance quote: The three basic sorts of life insurance cover are: Life Insurance, Mortgage Life Insurance and Critical Illness Insurance.

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Mortgage Insurance Cover

Mortgage Life Insurance is also known as Mortgage Insurance, Mortgage Protection and Decreasing Term Life Insurance. All these descriptions are of the same sort of insurance policy where the value of the sum insured decreases from the initial sum taken out down to nil by the end of the policy’s term. This type of cover is typically used to protect a Repayment Mortgage where the outstanding loan steadily decreases over the years. (If you have an Interest Only Mortgage then this type of insurance is not suitable – you must have Level Term Life Insurance – see above.)

Incidentally, Mortgage Life Insurance should not be confused with Mortgage Payment Protection Insurance. Mortgage Payment Protection Insurance does not pay out a lump sum. It is there to pay your monthly mortgage repayments if you had an accident, became sick or unemployed.

Cheap Critical Illness Cover

This type of insurance is also known as Dread Disease Insurance. It pays out a tax free lump sum if you are diagnosed with a serious illness or condition, such as:

Stroke, Cancer, Heart Attack, Multiple Sclerosis, Blindness - and lots more.
For more details for what is typically covered by Critical Illness Insurance and how Critical Illness insurance works, Click Here

The important point to realise is that with Critical Illness Insurance, you do not have to die for the Critical Illness policy to pay out – you simply need to be diagnosed with a qualifying critical illness. Indeed, many people survive a critical illness and go on to lead a long life.

Please be very aware that Critical Illness Insurance is NOT the same as Terminal Illness cover. LifeSearch Here for an explanation.

How common are critical illnesses? Stand by to be shocked! 1 in 5 men and 1 in 6 women suffer a critical illness before their normal retirement age. Now you’ll appreciate why Critical Illness Insurance is so important!

Now you’ll know a little more about Life Insurance, but it won’t make you an EXPERT!

That’s why we always get a Consultant from LifeSearch to phone you to provide your cheap quote and give you some valuable advice. Don’t forget, some industry sources report that as many as 50% of DIYers get it WRONG!

Our way guarantees you get it RIGHT!