What is the best life insurance?
Posted in Individual Health InsuranceI wouls like to make sure that my partner and my mother are safe if something happens to me. What is the best insurance? Also: Does life insurance also cover critical illness?
I am in the UK.
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Posted: September 8th, 2009 at 2:45 pm |
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September 8th, 2009 at 2:46 pm
Sounds like you want some form of live insurance such as a Term Assurance policy. Some policies do come with critical illness cover but this obviously costs a wee bit more.
If you have a financial advisior then get in touch with them. If not then do some research on the web.
Websites such as http://www.moneysupermarket.com will give you price comparisons and information on the types of policy.
The basic type of term assurance will give your dependents a lump sum on your death. If you get the critical illness cover then you will also be paid a lump sum on diagnosis of one of the specified illness in the policy.
It is standard practice to get a term assurance to cover large debts such as a mortgage. A term assurance will last for the term you choose but you will not get any benefits if you survive the whole term.
There are other types of cover available. A whole of live policy may be better for you. The idea here is that you pay premiums into a fund for the rest of your life and have a minimum death benefit. When you die the higher of the total amount you have paid in plus interest or the guaranteed sum will be paid to your dependents.
As mentioned above i strongly suggest that you get some professional advice (especially if you are in doubt). There are a large number of different types of contract which will give you the cover you are after. Also shop around as prices can vary.
September 8th, 2009 at 2:46 pm
Life insurance does not cover illness, only death.
You get the most bang for your buck by buying term life insurance. The only drawback is that once the term is up you have to buy a new policy and your rates go up with age and health problems.
September 8th, 2009 at 2:46 pm
Where they give it to you when you are still alive, coz like duh, everyone is going to die so it’s not like they’re not guna have to stump it up anyway.
September 8th, 2009 at 2:46 pm
Cheap term life insurance is the best bet. It only pays if you die.
Disability insurance protects loss of earnings in the case you are incapacitated.
September 8th, 2009 at 2:46 pm
Term insurance is the best, especially if you also invest your money too. By doing the two things, you get the maximum protection for your family.
September 8th, 2009 at 2:46 pm
You should speak to a financila adviser who will identify your needs. Term assurance on you life only is cheap assuming you are in good health. Critical Illness costs more but you are four times more likely to get one of these than you are to die before you are 60. There is also a long term income protection policy which pays out if youcannot work. Like I said, see a financial adviser who can explain it to you.
September 8th, 2009 at 2:46 pm
Unfortunately, it would seem these days,the best life insurance is a bullet proof vest.
September 8th, 2009 at 2:46 pm
Have a look at these companies, they update regularly:
http://www.forcehigh.com/businessdirectory/medical/healthinsurance.shtml
September 8th, 2009 at 2:46 pm
Life insurance, by definition is for your life….. if you lose it.. it pays
if your health is jeopardy then you need health insurance
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