Life Insurance 7 min read
Declined for life insurance: what to do next
A plain-English UK guide to why life insurance applications are declined, the difference between declined, postponed, loaded and excluded, and your next steps.
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Life Insurance 6 min read
Decreasing term life insurance explained
A plain-English UK guide to what decreasing term life insurance is, how the sum assured reduces over the term, how it is priced, and who it suits.
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How to get cheaper life insurance in the UK
Legitimate ways to lower the cost of UK life insurance, from comparing the whole market to choosing the right cover, quitting smoking and paying annually, without cutting corners that leave you unprotected.
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How much does life insurance cost in the UK?
A plain-English UK guide to what drives the price of life insurance, why two people pay different premiums, and how to get an accurate figure before you buy.
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Life insurance medical questions: online or over the phone?
More UK insurers now send life insurance medical questions to complete online rather than asking them over the phone. How it works, why it changed, and what to watch.
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What questions do life insurance companies ask?
A plain-English guide to the health and lifestyle questions UK life insurance applications ask, why each is asked, the time windows used, and how to answer them.
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What happens after you apply for life insurance?
The steps between submitting a UK life insurance application and being covered: underwriting, possible follow-ups, decision outcomes, policy documents, and your right to cancel.
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Will life insurance check my medical records?
Whether UK life insurers can see your GP records, when a GP report or medical exam is requested, your rights under the Access to Medical Reports Act 1988, and how records are used at claim time.
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How much life insurance do I need?
A practical UK guide to working out how much life insurance cover you may need for family, mortgage, debts, and future costs.
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Life insurance for a mortgage
How life insurance can protect a UK mortgage, what type of cover usually fits, and whether lenders require it.
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Level term vs decreasing life insurance
How level term and decreasing term life insurance differ in the UK, and which may suit family protection or a mortgage.
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Should you put life insurance in trust?
A plain-English guide to life insurance trusts in the UK, including why people use them, what they can help with, and when to get advice.
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