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A life insurance policy, also known as life assurance or life cover, is a type of policy that is designed to offer financial support in case you die. It could help minimise the financial impact that your death may have on your close family, as well as offer a sense of security to those you hold most dear.
When you die while covered by a life insurance policy, the company typically pays out a lump sum for your loved ones to help with household expenses, childcare costs, and mortgage payments for your family.
Your choice in how much life insurance cover and how long you need it for is up to you, along with whether to purchase joint or single policies.
No one wants to think about their own death, let alone plan for it.
However, if you have a life insurance policy, should the worst happen, your family can be provided for financially.
It's possible to hold multiple life insurance policies and in some cases this might be worth considering. If, for example, you have an existing policy but you find you need more cover, you may find that the most efficient way to arrange this is by taking out an additional policy.
How can we help you with life cover today?
Buying life insurance can seem a daunting proposition, but our partners can give you free, impartial, expert advice while helping to make comparing and purchasing the right policy online a straightforward task.
Read more about your options and the things to consider in our guides, where you’ll also find the answers to frequently asked questions.
Find out more about things like calculating the cover you need, how the life industry works, whole of life insurance, if funeral plans are worthwhile, making a will, whether you should write a policy in trust, if you should consider holding multiple policies, and options for older people, high-risk groups and those with existing medical conditions.
There’s also plenty to read on more obscure areas of life insurance, including gift inter vivos, terminal illness cover, waiver of premium, Family Income Benefit and relevant life plans.
Life Insurance FAQs
Frequently Asked Questions - Life Insurance
Should existing life insurance policyholders shop around?
It's possible that those with existing life insurance policies could benefit by comparing and switching (a process known as re-broking), but they need to remember that age plays a major factor in calculating premiums. As you're less of a risk when you're younger, the older you are the higher your premiums. If you have pre-existing medical conditions you may struggle to find a deal as good as the one with your current provider.
What's term life insurance?
Term cover is the most common form of life insurance and provides a lump sum payout if you die in the course of the policy.
Is life assurance the same as life insurance?
Technically no, but the two terms are often used to mean the same thing. Strictly speaking, life insurance pays out if something happens to you, whereas life assurance pays out when it does.
What's over-50s lifelong protection?
Over-50s lifelong protection - often referred to as 'over-50s life insurance - is a specific form of whole of life insurance that offers guaranteed acceptance without the need for a medical check for those aged 50-80.
Is an over-50s policy the only option for older people?
No, an over-50s lifelong protection policy needs careful consideration as it won't be suitable for everyone; read about a wider range of options in our guide to life insurance for older people.
How do joint policies work?
Joint life insurance policies can be taken out by partners and are usually cheaper than two separate insurance products. The policy will only pay out once, though, meaning that if one partner died, the other would no longer be insured. They are typically thought to be more suitable for couples without dependants.
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