Life insurance guides
Plain guides to UK life insurance
406 guides on how life cover works, what to ask and what to check, organised by topic.
- Critical illness & income Critical illness cover, income protection and waiver of premium: what they pay, for which conditions, and how claims work.
- Health & medical questions Getting life insurance with a health condition, a high BMI, a hazardous hobby or job, and what insurers ask.
- Business & workplace cover Key person, shareholder protection, relevant life and death-in-service cover for employers, directors and scheme members.
- Types of policy Term, whole of life, joint, increasing and family income benefit policies, and how they differ.
- What it costs What life insurance costs, what moves the price, and how quotes and discounts work in the UK.
- Trusts & tax Life insurance in trust, inheritance tax and how payouts are taxed in the UK.
- How life insurance works How UK life insurance works: when cover starts and ends, who gets the money, and what happens to a policy when someone dies.
- Mortgage cover Mortgage life insurance and decreasing term cover: what it is, whether you need it and how to set it up.
- Funeral plans & funeral costs Funeral plans, funeral insurance and what a funeral costs in the UK.
- Who needs cover Whether and how much life insurance different people need: parents, couples, single people, stay-at-home parents and more.
- Over-50s & later life Over-50s plans, guaranteed acceptance and life cover in later life, with the trade-offs stated plainly.
- Insurers compared UK life insurers and their policies, described from their own documents.
- Reviewing & switching Reviewing, cancelling, switching or cashing in a life insurance policy.