Knowledge Base

How do I buy life insurance ?

Buying life insurance is an important decision and one you need to make sure you get right. There are so many different types available that making sure you select the right type and amount of cover can seem like…

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Premiums & Exclusions

If you have never had a life insurance policy before then you may be unaware as to the factors that can affect the cost of your premiums. Factors can include the length of the policy and the sum assured,…

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Life Insurance for Smokers

Insurance companies typically class individuals that have had nicotine products within the last 12 months as smokers. These products include cigarettes, cigars, pipes and nicotine gum or patches. Premiums for smokers are much higher If you are looking to…

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Medical FAQs

In what ways will my medical history affect my premiums? If you have an existing medical condition or a family history of medical problems then insurance companies are likely to consider you a greater life insurance risk. This means…

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Medical Information

To insurance companies, individuals with existing medical conditions present a higher life insurance risk than those without. Therefore these individuals will often be charged higher premiums and may be subject to exclusions. This is mainly because some conditions and…

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Family Income Benefit

Family income benefit policies are there to offer you cover should you die during the length of the policy. This can be incredibly important if you have children or other dependents that rely on your income to survive. How…

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Paying for a Funeral

Death is not a particularly pleasant subject and even more so is the thought of planning a funeral. Yet it is something that is inevitable and as such should be thought about and planned in advance. Sadly funerals can…

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Nominate a Beneficiary

A beneficiary is generally defined as being the named person or persons on a life insurance policy to receive the payout of the policy when you die. By having a beneficiary it will allow your insurance company to pay…

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