Life insurance - what are you waiting for?

We’ve all said “I’ll do it tomorrow” about something we’re putting off before - whether it’s starting that long awaited diet, beginning a piece of work you’ve been putting off or starting that awkward conversation you’ve been avoiding.

It’s easy to put things off and we’re all guilty of it. However, putting off your life insurance isn’t the same as putting off the gym. It’s not something to pop on your to-do list or hope that you’ll get around to because the simple fact is, no one knows what’s around the corner and by continuing to put it off, the days could pass by and you and your loved ones may end up without cover when you need it most.

Your monthly premiums stay the same

So many of our customers are shocked when they find out that their life insurance premiums stay the same throughout the duration of their policy. We promise you, it’s not too good to be true!

When you initially arrange your cover, you will likely be given a price on the phone with your specialist there and then. Or if your insurer needs to know a little more about your medical history then you may have to wait a little longer for your premium. But once you’re told the price, this price will then stay the same throughout the duration of your cover (unless you index-link your policy).

Life insurance is cheaper the younger you are?

There’s no such thing as perfect timing but in case you hadn’t heard, life insurance is generally cheaper the younger you are.

This is all down to the fact that life insurance is based on risk and generally the risk of becoming seriously ill or passing away is higher the older you are. Securing a policy when you’re younger is a sure-fire way to pay less for your life insurance and keep that same premium throughout the duration of your policy.

Why does everyone think life insurance is expensive?

You know how everyone has a completely different fingerprint and no two prints are the same? Well, life insurance is kind of like that.

Each policy is completely unique to you. This is because when you speak to our specialists, they will create a policy for you based on the information you provide them over the phone which will include information such as your:

• Smoker status
• Health and lifestyle disclosures
• Family medical history
• Occupation
• Age 

The above are just a few examples of the many bits and pieces we need in order to create a tailored plan that will suit you and your life!

Free benefits - what can they do for you?*

There’s more to life insurance than what’s on the surface level - most modern life insurance policies now provide additional benefits included in your cover, at no extra cost.

Plus, most of the UK’s leading providers have stepped up what they offer, offering more than your typical “get a free pen when you get a policy with us” type benefits. There’s so much on offer, ranging from:

• Tailored fitness and nutrition plans
• 24/7 access to GP’s
• Mental health support
• Personalised nurses

By securing your life insurance policy sooner rather than later, you can start making use of some of these amazing free benefits.

The bottom line

Basically, what we’re trying to say is, there will always be an excuse you can find to put life insurance off for another year. But at what cost? Life insurance will generally be cheaper the younger you are, so ask yourself - what are you waiting for? Click below to start your free quote today!

*Free benefits offered are not contractual and may be changed or withdrawn in future.