FAQ Index for Life Insurance

You will find below a full list of the FAQ’s for Life Insurance. We hope you will find them useful.

In no circumstances should these Life Insurance FAQ’s be interpreted as this web site providing you with specific advice in relation to your own circumstances or on the suitability for you personally, of any product or service referred to within these FAQ’s. Our aim is simply to provide generalised, but helpful, information.

What exactly is Life Insurance?

What are the different types of Life Insurance?

What do I need to know about Life Insurance?

Why do I need Life Insurance?

What do I need to consider when selecting a Life Insurance policy?

What type of Life Insurance do I need if I have a mortgage?

Can I have a life insurance policy that covers both my partner and myself?

Is it possible to have different levels of cover on a joint life policy?

Will I need to provide information about my health and/or undergo a medical?

What happens if I stop paying the monthly premiums?

Do I have to have a mortgage to get Life Insurance?

Am I tied to buying my Life Insurance through my mortgage lender or mortgage broker?

Will my life insurance policy have any investment value at the end?

What period of time should I insure my life for?

How long will it take to process my Life Insurance application?

Which is better - a ‘Guaranteed’ or a ‘Reviewable’ policy?

Should my Life Insurance policy be written ‘in Trust’?

If the policy documents have been lost, can a claim still be made?

Am I better off getting cover on joint lives or separate lives?

Should I get Critical Illness Insurance instead of Life Insurance?

Should I get Mortgage Life Insurance instead of Life Insurance?

Should I add Critical Illness cover onto my Life Insurance policy?

What benefits will Critical Illness cover add to my Life policy?

Should I include Terminal Illness Insurance on my Life Insurance policy?

What should I do if I urgently need Life Insurance in order to complete my house purchase?

What exactly does a Life Insurance broker do?

Will I have to pay a fee to the Life Insurance Broker?

What personal details will I need to provide to get a quotation for Life Insurance?

Is there a difference between Critical Illness Insurance and Terminal Illness Insurance?

What are the main differences between Life Insurance and Life Assurance?

Can I get a quotation online through this website?

Which optional extras are important with Life Insurance?

Will I have to pay any extras fees?

Is it possible that I will have to pay higher premiums than someone else the same age?

How much will the premiums cost?

What difference will my age make to my premium?

How does one make a claim on a life insurance policy?

Will my premium definitely increase if I’m asked to supply more information or go for a medical?

What does it mean if my premium is ‘Rated’?

If the insurance company ‘Rates’ my application, is it worth applying to another insurance company?

Is the price I was initially quoted, the price I’ll pay?

Do I have to have a medical?

Is it better to have a ‘Guaranteed’ or a ‘Reviewable’ premium?

Why is insurance so cheap on the Internet?

Once I’ve got my quote, what happens next?

What causes delays and is there anything I can do to reduce them?

What else can cause delays on my Life Insurance application?

What correspondence will I receive once I have submitted my Application form?

When will my Life Insurance cover start?

Why is Mortgage Life Insurance cheaper than standard Life Insurance?

Why is Life Insurance so much more expensive for smokers?

Will my medical history make a difference to my Life Insurance premium?

Life Insurance and the Law

How to complain about a Life Insurance Broker

How to complain about a Life Insurance Company

How to complain about Misleading Advertising

Life Insurance