It’s advisable to have a life insurance policy that provides a safety net should something happen to you especially if you have a partner, children, or parents who depend on you. A Life Insurance Policy will protect you, your assets and your loved ones when you no longer can.

The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or provides a monthly income for your family. By having a Life Insurance in place you might not need to use up your savings thus letting you save your money for other uses.

Life insurance pays out a lump sum to your beneficiaries if you die. If you have critical illness cover on your policy, a payout is made on diagnosis of a critical illness like cancer, a tumour, or a heart attack.

The funds from these policies are often used to pay off a mortgage, joint and several debts that would otherwise be transferred to your partner or to cover rent and day-to-day expenses such as utility bills, educations costs and whatever your day to day living costs are.

Funds can also be used for any extra medical care that might be required or to provide nursing care to help with any recovery.

The earlier you take out a Life Insurance policy the cheaper your life insurance policy is likely to be. This means it’s more efficient in the long run and it means that as soon as you get married or have any dependants they’re immediately protected.

Everyone situation is unique, and as such every policy is underwritten for that individual and their circumstances.

While personal and family health history is one of many key price indicators (along with current health, age and smoking habits), it doesn’t in any way prevent you from receiving quotes.

Our experts have helped many happy applicants with pre-existing conditions and health challenges and have enabled them to obtain Life Insurance that suits them.