Life Insurance is a type of insurance policy that can help minimise the financial impact that your death could have on your loved ones. Although life insurance can’t replace you it can help alleviate financnial burdens from your family during a difficult time.
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POLICY
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Life insurance is not for you, it’s for them
There are two main types of life insurance:
- Term life insurance policies: run for a fixed period of time (known as the ‘term’ of your policy) – such as 5, 10 or 25 years.
These kinds of policies only pay out if you die during the policy. There’s no lump sum payable at the end of the policy term. - A whole-of-life policy: will pay out no matter when you die, as long as you keep up with your premium payments.
How much does life
insurance cost?
Life insurance can be a very valuable investment. Often just a few pence a day is all you need to provide your loved ones with plenty of financial protection (depending on your age and health status).
However, monthly payments (also known as premiums) do vary, so it’s a good idea to shop around. The price you pay for a life insurance policy depends on a number of things.
1.
Age
The price you will pay for your life insurance policy will be determined by a number of factors, a significant one being your age.
2.
Health
Existing medical conditions and other factors that reflect your health will also influence your policy.
3.
Lifestyle
Your lifestyle choices, hobbies and excercise habits may affect your policy pricing. Thrilling activities and sports may also fall into this category.
4.
Smoking
Lifestyle choices that can affect your overall health such as smoking and vaping will also affect your policy pricing and options.