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We have carefully selected specialist partners to bring you excellent independent advice and competitive quotations on Protection Insurance from the UK's leading insurers.

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1 Policy Requirements

1 Policy Requirements

Monthly Income Required...

Typically you can insure up to 70% of your gross income, whether an employee or self-employed, and at this level you should be able to maintain your current lifestyle. The monthly pay-outs if you make a claim are tax free.

Deferred Period

This is the period of time you have to be out of work before any claim will be paid. The greater the deferred period, the more your monthly insurance premiums will reduce.

COVER AMOUNT...

Life Insurance is typically linked to the value of a mortgage to help protect immediate family members and other dependents from financial hardship, but the value can be set for a higher amount to provide additional funds to cover on-going living expenses or other liabilities like loans or credit cards (provided that these are not already covered by existing insurance).

COVER TERM...

Life Insurance is typically linked to the duration of a mortgage to help protect immediate family members and other dependents from financial hardship, but the term can be set for any number of years up to the policyholder's 70th birthday. The typical period of cover is 10-25 years.

COVER TYPE...

Decreasing Cover is normally used to cover a repayment mortgage, where the amount of money the policyholder has been insured for decreases in line with the value of the mortgage.

Level Cover is where the amount of money the policyholder has been insured for remains level throughout the term of the policy. This type of cover is more suitable for an interest-free mortgage where the value of the mortgage remains level.

Indexed Cover is where the amount of money the policyholder has been insured for increases with inflation throughout the term of the policy.

How long do you want the payout from a claim to last?

How long do you want the payout from a claim to last?

The longer the period you want to be covered, the higher the monthly premiums will be, but the more benefit you will receive. The average claim period in the UK is 5 years 8 months with some illnesses or injuries short term, others affecting people for a lifetime.

2 About You

2 About You
What is your full name:
What is your date of birth?
Have you smoked or used a tobacco/nicotine product in the past 12 months?

3 Contact Information

3 Contact Information
What is your address?

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* the quotation and telephone services are provided in partnership with CoverTree and LifeSearch respectively.

Promoted Premiums for 35 year old male (non-smoker) April 2020*
Life Insurance: £5/month = £50,840 sum insured
Critical Illness Cover: £10/month = £22,460 sum insured
Combined Life & Critical Illness Cover: £10/month = £18,376 sum insured

 

BritishLife.com is a trading name of British Life Ltd, a company registered in England no. 05559125.

Registered Office Address: 20-22 Wenlock Road, London N1 7GU

BritishLife.com is an independent website created to help customers find the best possible life cover quote for their circumstances. We do not provide any financial advice. Instead, we work with FCA authorised advisers who search and compare life insurance policies from leading life insurers for the best deals available. Our service is 100% free to use and you are under no obligation to accept any of the quotes you receive.