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Since 2006 we have helped 370,706 people compare Protection Insurance quotes.
Now’s the time to protect your loved ones - Prices have never been cheaper.
If required, our team of experienced advisers can help guide you through the options and can provide discounts on the best deals in the market.
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Since 2006 we have helped 370,706 people compare Protection Insurance quotes.
This is often called a Funeral Plan and offers guaranteed acceptance with no medical examination required. However, the maximum amount of cover is limited to £25,000 (often advertised on daytime TV).
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This specialist type of life insurance is attractive to people with existing health conditions who cannot get approval for a standard life insurance policy.
Premiums are paid monthly and the cover will cease if the premiums are stopped. Insurers will also often only pay back the premiums paid instead of the sum insured if the policyholder dies within two years of taking out the policy.
This is the most popular type of life insurance policy in the UK. You have to disclose any health problems and you are likely to require a GP report or medical, but there is no restriction on how much you can be insured for, though the term is typically limited to 80 years of age. Any claim is paid as a one-off tax-free lump sum.
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Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life insurance cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
Insurers historically pay 99% of all life insurance claims - when they don’t pay out, it is usually because the policyholder was not truthful on their initial application about an existing health condition or a regular dangerous pursuit which led to their death.
This policy is guaranteed to pay out at whatever age you die provided the premiums continue to be paid. You will have to disclose any health problems and could require a GP report or medical. Unlike advertised 'over 50’s' policies, you can insure yourself for any amount. This type of life policy is mostly used to reduce inheritance tax liabilities.
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Whole-of-Life Assurance policies are linked to investments and are primarily used as a tax-efficient way of passing wealth on to future generations through a trust which helps reduce inheritance tax.
The investment element means they are more complex than the other two life insurance options available for Over 50s, and as such it is best to seek advice from an independent financial adviser rather than an insurance adviser.
For free advice, speak to a UK based adviser on: 01252 229981* (9am-5pm Mon-Fri)
* The telephone service is provided in partnership with BL Protection
We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.
Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.
I was given good independent advise, so I could confidently make my choice on what was right for me.
- Denise
No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.
- Ms Shannon
I wished some information on life insurance for a mortgage I have applied for.
All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.
- Mrs Severn
I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.
- Mrs Cookson
Very thorough yet friendly service. Good contact and information one can understand.
- Heather Cronley
The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.
- Andrew Hughes
I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.
Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.
Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.
I cannot fault this service and the professionalism I received.
- N Marsden
Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.
- Glenda
The quotation service is provided by an FCA-authorised insurance specialist
Are you looking for over 50s life insurance? QuoteLifeCover’s team of experts can go through your options to find you a quote that fits your needs and lifestyle for your over 50s life insurance.
Many of the insurance policies that we can introduce to you include options such as guaranteed acceptance with no medical examination. For insurance quotes that will cover all your needs and wishes, get in touch with QuoteLifeCover today for more information.
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