LIFE INSURANCE
Personalised cover from Insurance Confident
- Comprehensive cover bespoke to your needs
- Competitive prices from leading insurers
- Protection and peace of mind
Access to leading providers
We work with leading insurance providers with comprehensive policies that meet your needs to provide you and your family with peace of mind:
What is life insurance
A life insurance policy protects your loved ones should you pass away or become terminally ill, by providing a lump sum of money. A policy is usually taken to cover a specific period (or term) where your family will need help the most.
There are many different types of life insurance available and many people can be put off taking cover as they don’t know which cover to take. The price of your cover may change as your age increases, so it’s best to find out your options as soon as possible, so that you have all the information you need to make an informed decision on your life insurance.
Answer a few simple questions and we will then connect you to your personal Insurance expert.
Your expert will help you find the right
product for your circumstances to provide you and your family with
peace of mind.
All your application paperwork and follow up activities will be taken care of for you.
Why do I need life insurance?
- Pay off your mortgage & debts
- Provide family with an income
- Pay for university costs for your children
- Cover funeral costs
How does life insurance work?
Life insurance pays out a cash lump sum if you pass away or are diagnosed with a terminal illness where you’re not expected to live longer than 12 months.
Types of cover
- Not sure what you need? Speak to an insurance expert
What cover is right for me?
You could take just enough insurance to cover financial commitments and general outgoings, or you could take a higher level of cover to make sure your family has a nice lump sum in the bank on top of their financial commitments and general outgoings, but what’s best for your circumstances?
You may wish to leave a legacy to your loved ones by covering more than your financial commitments, or you may wish to take out critical illness cover with your life policy too.
Our qualified advisors aim to make the process of understanding, finding and applying for life cover as simple and hassle free as possible.
Life insurance Considerations
Single or Joint policy
A joint policy only pays out when the first person passes away and so it is cheaper. Would a joint policy be suitable or are two single policies required?
Your Families needs
How much would your family need to cover debts / mortgages? Would they need money to replace your income? Are there other financial considerations that you would want to take care of?
Length of policy
When will your debts/mortgage be paid off? How long would your family be dependent on your income? When do you intend to retire?
Life insurance Types
The two main types of life insurance are level term and decreasing term life insurance.
Level term
Decreasing term
- Not sure what you need? Speak to an insurance expert
When would I need life insurance?
Life insurance provides financial protection for the people that depend on you in the event that you die. There are lots of circumstances where it may be appropriate to think about cover in place.
- Couple / Married: As a couple you might have bigger joint financial commitments than you want to protect.
- Children / Dependents: When depend on you financially its reassuring to know that are protected if anything happens.
- Home / Property owner: As a property owner you may have a debt that will need to be cleared.
- Funeral Planning: Life insurance can be used to help with the cost of your funeral.
What do I need to get a quote?
Answer A Few Questions
Our Expert Will advise
We will complete an application with you
As part of the application, your expert will need to run through a series of questions with you:
- Details about you & your families health and medical history including any pre-existing medical conditions
- Information about your lifestyle including your occupation and whether you drink or smoke
- Whether you participate in any hazardous (high risk) hobbies (eg. Skydiving, base jumping etc.)
In most cases, you won’t need a medical exam. But if we do ask you to have one, don’t worry there won’t be any costs.
Be Confident
- Our Insurance Products
Our Insurance Products
Life Insurance
What is life insurance? Life insurance helps give your family financial protection should you pass away within the policy term.
- Pay off your mortgage & debts
- Provide family with an income
- Pay for university costs for your children
- Cover funeral costs
Critical Illness
What is critical illness cover? It's an insurance policy that helps protect you if you become critically ill during the policy term. It pays out a tax-free lump sum
- Provides essential funds when you need it
- Pay off your mortgage & debts
- Cover for potential medical expenses (e.g. doctors fee, medication, nursing support etc.)
- Changes to your home to meet your needs (e.g. ramps, stairlifts etc.)
Income Protection
What is income protection insurance? It's an insurance policy that can help support you with a monthly payment if you're ill or injured and can't work.
- Peace of mind in the event of injury / illness
- Stability for your family
- Reduces impact on lifestyle (e.g. food etc.)
- Maintain your critical bills such as your mortgage
- Reduces the likelihood of ending up in arrears / bad credit
Home Insurance
Cover for your buildings and contents. Home Insurance protects your home inside and out – covering your building and belongings.
- Peace of mind that your home &/or possessions are protected
- Buildings insurance covers the cost of repairing or rebuilding your home if it's damaged
- Contents insurance protects your personal possessions
Why Choose Insurance Confident?
At Insurance Confident we know how important it is for you to understand your
insurance and know that you & your family are protected. That’s why we are here to
offer you:
Personal Touch
Your expert will guide you through your options, answer your questions and take care of the application paperwork & phone calls. Making sure you are ‘Insurance Confident’.
Specialist Requirements
With a range of specialist products available, we will be able to help, even in the most complex circumstances.
Leading Providers
Our experts will provide access to the UK’s leading providers and have detailed knowledge of the range of products they have available
No Obligation Quote
Our friendly advisers are always on hand to help through-out your quotation
Reliable Insurance Brokers
Be assured with Insurance Confident
- Call us on 0300 303 6200 to speak to an adviser.
