Life Insurance Guides

Critical illness cover can give you peace of mind if you were to become seriously ill and could no longer provide for your family financially. In our guide, we'll explain the basics and explain whether it's worth it.

You might think you’re too young to need life cover, but taking out life insurance under 30 could save you money – and protect your loved ones should the worst happen

It’s a commonly known fact that smoking will influence the cost of your life insurance – but will vaping also be taken into account? Our guide explains how providers view vaping when applying for life insurance.

When it comes to life insurance you aren’t only limited to having one active policy covering you. However it doesn’t always make sense to have multiple live insurance policies – find out if it will suit your requirements

Being a smoker can increase your life insurance premiums by more than half. Discover more about life insurance for smokers in this handy guide.

There are a number of reasons why you might consider taking out life insurance. Whether you’re buying a house, starting a family or simply want to take care of your loved ones when you leave, this guide can help you decide the best options for you.

Whole of life insurance is a life insurance policy that guarantees you will be covered throughout your life and your family will get the entire lump sum pay-out you intend to leave them when you die. This cover provides peace of mind that your loved ones will have financial security.

Discover the benefits and disadvantages of putting your life insurance in trust

During these uncertain times, there are life insurance policies that can help you financially protect your loved ones’ futures, and we can ensure that you get our most competitive deals while doing so.

In this guide, we’ll walk you through the different reasons for needing life insurance and explain how to find the perfect cover for you.

Read our guide to find out how diabetes can affect life insurance and how you can still get a good deal on your policy.

With an increasing life insurance policy, your pay-out will increase the longer your policy is active. Our guide will outline how it works and whether it’s right for you.

Term life insurance policies will give you life cover for a limited time. In this guide, we'll outline how term life insurance policies work and whether a term policy is right for you.

Life insurance can help your loved ones after you’ve gone – but some insurers will include benefits that can help you, too

Many employers will offer a death-in-service benefit to their employees which will pay your dependents a specific sum if you were to die while you’re on their payroll. 

In this guide, we’ll outline the different types of life insurance available along with the benefits of each so you can decide which one is right for you.

Find out if mortgage life insurance or standard life insurance is suited to your financial and family needs.

With our simple to use calculator we’ll help you work out how much cover you need to protect you and the ones you love.

Getting life insurance is a big decision – so our guide explains everything you need to know about the different types of insurance and how they work

Buying your first home can be the most exciting and the most stressful experience of your life. At this point in time, it’s so easy to get lost in the expenses that come with buying a house that it’s hard to differentiate between which ones you really need to be spending on and which ones you don’t.

We can’t plan for a terminal illness, but adding terminal illness cover to your life insurance plan will help should the worst happen. Even if you are no longer here, terminal illness cover is a valuable protection to take care of you and your family.

There’s plenty to think about when a loved one dies. Besides grieving, there are funeral arrangements, and if you handle the estate you need to know how to claim life insurance.

Prepare yourself for the life insurance application process with this handy guide that can help you find the right insurance cover for you.

Critical illness insurance might not be right for everyone, but is it right for you? Use our guide to find out what critical illness insurance really covers. See for yourself if it’s worth the cost and compare policies with the knowledge you need to find the best deal.

Not sure where to start with critical illness cover? It’s a handy add-on to your life insurance that can give you extra financial security when you need it most. Read our guide to find out more.

If you’re in a couple, and especially if you have children, you should both have cover to protect your family. Your choice is between each having your own, separate policies, or having a joint policy that covers you both.

Medical record requests from life insurance providers are often restricted to specific information that may impact your policy or any future claims. This guide helps you find out why insurers might need access to your medical history and what information they would get. 

If you haven’t thought about life insurance yet, the best time to start is now. Our guide explains what life insurance is, and gives you all the information you need to get going

When your life changes, your life insurance should too. This guide explains what you need to know about keeping your insurance up to date and how you can change your life insurance policy.

You can avoid your family being charged inheritance tax on your life insurance payout by putting your policy in trust. Find out more about your inheritance with life insurance.

If you think you’ve been mis-sold life insurance and want to know how to make a claim, here’s our guide to making a complaint and getting your money back.

When someone dies, debts they leave are paid out of the money, possessions, and property they leave behind. This is known as their estate. You're only responsible for their debts if you had a joint loan, joint agreement, or provided a loan guarantee. Read on to find out the key things you need to know.

Key person insurance can be an important part of cover for any business – here’s how it works and how it can benefit you

Looking after your health can cut the cost of life insurance. Read on to find out more about how your lifestyle choices affect life insurance premiums

Life insurance ensures our loved ones are taken care of financially when we’re gone. But women can have additional things to consider, as this guide explains

Which health and lifestyle factors do life insurers consider 'high risk' and what difference do they make to your policy?

A senior life insurance policy can offer peace of mind as you head towards your twilight years. Find out how the cover works and if it could be right for you.

We take you through the considerations you need to think about when taking out cover.

Although it’s an unpleasant reality to face, writing a will is something we all have to do to ensure our belongings end up in the right hands when we die