Below we have outlined the most common questions asked about life insurance. Please click on a question to get the relevant answer.

What is life insurance?
What is term insurance and life assurance?
Why is it called life ‘assurance’?
Do I need insurance?
What is the connection between risk and life insurance?
How is cost determined?
How can I keep the costs down?

Do I need insurance?

Most people in the U.K. go without any type of life insurance. Statistics from the Chest Heart Stroke Association however, show that most people end up needing it. There is a good chance you’ll experience a life threatening illness or injury before you turn 65, one which may decrease your ability to work, threaten your standard of living or kill you.

Some of the reasons you might want life insurance are: income replacement, funeral expenses, pay off debts, pay off medical bills and mortgage life insurance.

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