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the insurance policy is a contract between the insurer and the insured,
which determines the claims which the insurer is legally required to pay
. In exchange for an initial payment,
known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.
The insurance policy is generally an integrated contract
How to buy life insurance
What type of life insurance policy should I buy?
• paying off large debts like your mortgage
• family protection, where you leave behind money for your family to live on after you’ve died.
Different types of insurance policy are good for different protection needs.
Looking to buy life insurance?
If you decide you need advice, make sure you consult an independent life insurance broker.
Term assurance
The most basic type of life insurance is called term insurance. With term insurance you choose the amount you want to be insured for and the period for which you want cover.
Life insurance pitfalls to watch out for
Buying the wrong policy could mean your life insurance policy doesn’t pay out when your family most needs it
A life insurance policy can offer valuable cover and peace of mind.
Looking to buy life insurance?
If you decide you need advice, make sure you consult an independent life insurance broker.
Two life insurance policies may be better than one
Want to buy life insurance direct?
Buying cheap life insurance direct
Looking to buy life insurance?
If you decide you need advice, make sure you consult an independent life insurance broker.
Reviewable life insurance policies
Health issues when buying life insurance
Friendly society life insurance policies
Are friendly society accounts savings or investments?
Many friendly societies call their tax-free products ‘savings’.
Insurance advice referral service
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