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you have dependents, you are advised to investigate life cover. There's no 'one size fits all' deal available and it's important to find a policy that suits your family needs.
It's up to you whether you have one policy to cover all your protection needs, or two or even three policies to cover different needs. But it may be cheaper and easier to manage if you split up your protection needs into categories and choose policies that fit those particular needs.
You can buy life insurance from various companies, either direct [link widoczny dla zalogowanych], through a broker or an independent financial adviser (IFA). The cheapest source is usually online. Be aware, though [link widoczny dla zalogowanych], that some brokers exclude some companies from their searches for commercial reasons. You may be able to buy your policy over the phone or via a web site, but you may not receive advice through this route.
Before making a decision, think about the type of cover you want and how much you need. If you want some help with these decisions consider using the finance forum, called "Finance Talk" at the Brokers Online web site.
How much will it cost? Men generally pay more than women. It pays to get cover early, because the older you are when you take insurance out, the higher your monthly premiums will be.
For example, at the age of 29, a 100,000 pound level-term policy could cost a non-smoking woman an average 8 pounds and 07 pence a month and a non-smoking man 9 pounds and 68 pence. But, at the age of 39, the cost would be 12 pounds and 44 pence for a woman and 15 pounds 55 pence for a man.
Smokers - Premiums for smokers can be almost twice as high as they are for non-smokers. Prices can also vary hugely between companies, so it pays to shop around. For example [link widoczny dla zalogowanych], a 39-year-old male smoker might pay 45 pounds and 50 pence a month for level-term insurance of 100,000 pounds with one company and as little as 23 pounds and 50 pence for the same cover with another. In this instance, shopping around could save you as much as 22 pounds a month or 264 pounds a year. That adds up to a 6,600 pounnds saving over a 25-year term.
Health issues - Be honest about your health. If you withhold any information, your policy could be invalid and might not pay out. If you have a pre-existing medical condition you should still be able to get life cover but it may cost more and be harder to find. The Insurance Surgery is a specialist broker that can help find insurance for people with pre-existing medical conditions.
If you have a specific illness, try contacting the relevant charity for advice on life insurance. For example, Cancer Research UK offers information about life insurance for cancer sufferers. If you already have life cover and are shopping around for a better policy, make sure you keep your existing life cover in force until the new policy is up and running.
A quicker payout - Writing your policy 'in trust' means your insurance payout is excluded from your estate. This could save your family having to pay inheritance tax. It also means policy proceeds can be paid without having to wait for probate, so your family will receive the money quickly when it's needed most.
Most life insurance policies give you the option to write your policy in trust at no extra cost. Just ask for a special trust form.
Two policies may be better than one. Shop around for the best cover - prices vary greatly. Couples can buy a joint policy that covers both lives or can have one policy each. Whether you have one policy between you or one each depends on what the cover is for.
A joint policy for covering the mortgage - If you're covering your mortgage, you want the policy to pay out when the first person dies. You both need cover for the same amount and because the mortgage will be paid off at that point, there's no need for continuing cover. It therefore makes sense to have a joint life policy that pays out on the first death when specifically covering your mort