It’s not surprising. Death isn’t something we think about (or indeed, care to think about) too much. It’s a distant and abstract thing which time keeps at bay – at least that’s how a lot of us would prefer to think of it.
Or, as poet W.H. Auden put it: “Death is the sound of distant thunder at a picnic.”
But death comes to us all, no matter how unpleasant that thought may be. So it’s best to make provisions for the future now - especially if you have dependants who’d be affected by your death.
Peace of mind
Whether it’s a partner, children, or both, you’ll want to know that they’d be taken care of if you no longer could fill that role.
But if you’ve never considered life insurance before, you probably have all kinds of (frankly, unpleasant) questions, such as:
- How much cover do I need?
- Should I get a joint policy?
- How long should I take a policy out for?
- How do I distinguish between policies?
- How much is it going to cost?
That’s why we’ve improved our life insurance channel – to hopefully make what can be a bit of a grim chore as straightforward as possible, and also to help make sure you get the type and level of cover you need.
Life insurance comes in various forms. At its most basic level, life insurance pays out an agreed sum – either in one go, or as an income – if the policyholder dies. But there are several nuances you need to know about, such as choosing ‘single’ or ‘joint’ cover, adding critical illness insurance and having the policy ‘written in trust’.
All of these topics are covered, in greater detail, over on our new-look life insurance channel.
On site, you’ll also find a suite of plain English guides and videos to help you understand some of life insurance’s finer details.
Our aim is to put you on the road to getting the priceless peace of mind that comes from knowing you’ve got the cover you need, should the worst happen.
But if you’d prefer to speak to someone directly about life insurance and critical illness cover – and let’s be honest, it’s a delicate matter – you can talk to an expert from our friends at LifeSearch, who’ll answer all your questions.
LifeSearch offers free, independent advice from 8am to 8pm Monday to Friday and from 9am to 2.30pm on Saturdays. You can call LifeSearch, for free, on 0800 170 1963.
Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.