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Help Centre»Life Insurance Explained

Life Insurance Explained

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    Is it Life Insurance or Life Assurance?

    The terms Life Insurance and Life Assurance are often used interchangeably. However, there are subtle differences between the two terms.

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    Why does life insurance cost more if I have a medical condition?

    The rule of thumb with life insurance is that it’s generally cheaper the younger and healthier you are. Insurers base their prices on your risk profile.

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    Does life insurance pay out?

    Figures from the Association of British Insurers (ABI) show that 98% of protection insurance claims were paid in 2020.

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    What’s not covered by my life insurance?

    Your life insurance may not cover you if you commit suicide or are overly reckless, especially within the first 12-24 months of the policy being active.

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    Can I have more than one life insurance policy?

    Multiple life insurance policies can help ensure you have sufficient cover during all stages of your life. You claim on all active life insurance policies.

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    Will smoking or vaping affect my life insurance?

    Life insurance policies are underwritten based on your health and lifestyle. Your life insurance premium could be almost double if you smoke or vape.


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