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You will need to decide how much cover is sufficient to meet your needs.

Life insurance is designed to provide a cash lump sum should you die during the policy term.

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What is life insurance?

Life insurance is a policy that pays out when you die. The lumpsum will be paid to the people you want to provide for. How much they get depends on the type of policy you’ve chosen, and the level of cover you’ve selected.

Once you’ve compared life insurance quotes and singled out the one that’s best suited to you, you’ll pay a monthly premium for the duration of the policy. Should you pass away in this time, your loved ones will received either a tax-free lump sum or regular payments, which can go towards keeping up on the mortgage or rent, household bills, funeral costs or even an inheritance for them.

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How much life insurance do I need?

First, you’ll need to think carefully about how much you can afford in premiums each month.

If you own a house, you’ll probably want a life insurance pay-out that’s big enough to clear the mortgage if you die. But think about other loans too, such as credit card repayments, as well as regular outgoings such as food and utility bills that your family might struggle to pay without your income. 

Don’t be tempted to lie about your circumstances to get a cheaper policy – any inaccuracies may invalidate a future claim.

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When should I get life insurance?

There are several events in life that inevitably make the question of whether to get life insurance more urgent. Buying a new home and taking out a mortgage is an obvious one. If you die before the loan is repaid, the responsibility for it will fall on your loved ones instead. You need to think about whether they’ll be able to shoulder this without your income.

For other people, having a baby is their trigger to consider life cover. Having a life policy in place can give you peace of mind they’ll be provided for if you die.

Getting married or making any other long-term commitment to a partner can also be a reason to research life insurance. Whether you opt for a single or joint life insurance policy, your partner will be financially cared for on your death.

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Helpful Guides

Want to know more? Visit our guides section for everything you need to know about life insurance.