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How do I get a quote?
How much does it cost?
The cost of your plan will be based on many factors including your age, medical history, lifestyle, type of job, your immediate family medical history, as well as the amount and term of the requested cover.
It is also based on statistics using the above information, which helps the insurer gauge the likelihood of you making a claim.
Therefore the younger and healthier you are, the cheaper the cost.
What is life insurance?
Put simply, life insurance is a plan that pays a set tax free sum to your estate upon your death.
This is usually as a lump sum, however it can be used to provide a regular monthly or annual lump sum as well.
How does it work?
Plans can be set up to to suit your personal needs.
Most people think of life insurance in relation to a debt, however it can also be used to provide additional support to your family in the event of your death, to cover business liabilities, to cover maintenance payments, or a specific purpose important to you.
Plans can be set up as a lump sum or to make regular payments. The benefits can increase, decrease or often remain level.
A life insurance policy only pays out on death and does not provide cover for life threatening illness (known as critical or serious illness cover). Some plans will pay out earlier on diagnosis of a terminal illness though, so that you can get your affairs in order swiftly.
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