{"id":4231,"date":"2019-10-08T14:22:27","date_gmt":"2019-10-08T14:22:27","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=4231"},"modified":"2022-08-23T09:23:27","modified_gmt":"2022-08-23T09:23:27","slug":"life-insurance-a-short-guide","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/","title":{"rendered":"Life Insurance: A short guide."},"content":{"rendered":"\n<p>Nobody wants to think about their own death, but if you have\nchildren or any dependants, it\u2019s vital that you take out insurance to allow\nthem to continue on as normal if you should pass away. <\/p>\n\n\n\n<p>There are a lot of key terms that you may need to get your\nhead around before you begin \u2013 it\u2019s quite simply once you have your head around\nit. <\/p>\n\n\n\n<p>If you have dependants who rely on your income, you should take out life insurance. Try to make sure you\u2019re covered for the cost of all the debt that you have plus the cost of your funeral arrangements. <\/p>\n\n\n\n<p>Take out a term that covers the length of time that your mortgage has left or the years until your children turn eighteen. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#What_is_life_insurance\" >What is life insurance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Life_Policy\" >Life Policy<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Term_Assurance\" >Term Assurance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#How_long_do_I_need\" >How long do I need?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#How_much_do_I_need_for_life_insurance\" >How much do I need for life insurance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#How_much_do_you_want_to_leave_your_dependants\" >How much do you want to leave your dependants?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#How_much_of_your_mortgage_is_outstanding\" >How much of your mortgage is outstanding?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#How_much_do_you_have_in_other_debts\" >How much do you have in other debts?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#How_much_will_your_funeral_be\" >How much will your funeral be?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Assumptions\" >Assumptions<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Do_I_need_life_insurance\" >Do I need life insurance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#You_should_consider_taking_out_life_insurance_if\" >You should consider taking out life insurance if:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#You_might_not_need_life_insurance_if\" >You might not need life insurance if:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#What_are_the_costs_of_life_insurance\" >What are the costs of life insurance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Costs_will_depend_on\" >Costs will depend on:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Does_your_employer_cover_your_life_insurance\" >Does your employer cover your life insurance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Consider_other_forms_of_insurance\" >Consider other forms of insurance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.check.co.uk\/blog\/insurance\/life-insurance-a-short-guide\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_life_insurance\"><\/span>What is life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In short, life insurance is a type of insurance you take out\nto ensure that your loved ones are protected financially when you die. You\nmight choose to do this because you\u2019re the main earner in your household and\nyour family would not be able to continue making payments on the mortgage or\nhave enough money to live within their means once you are gone. Take some time\nto work out how the finances can be managed if you or your partner were to pass\naway. <\/p>\n\n\n\n<p>There are several different types of life insurance, so you\nneed to make sure that you are taking out the right type for your needs. You\ncan get a single policy and a joint policy \u2013 though it\u2019s worth noting that it\nwill only pay out once in both cases. In the case of the joint policy, you will\nreceive a pay-out when the first person dies. This is useful if you have joint\nliability over the income in your household and aren\u2019t sure who will die first.\n<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Life_Policy\"><\/span>Life Policy <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is pretty simple &#8211; you pay a premium every month for\nthe rest of your life. On your death, your loved ones will receive a lump sum\nthat was predetermined at the start of the policy. Your average price\ncomparison site won\u2019t usually have this type of insurance. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Term_Assurance\"><\/span>Term Assurance <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is slightly different. You cover yourself for a\nspecific term, if you die during this time then your loved ones will get a pay-out.\nIf you don\u2019t die, you will not receive anything. <\/p>\n\n\n\n<p>Level Term \u2013 a level term policy will remain at the same coverage throughout the term of the insurance. This is useful if you\u2019re taking it out to give your loved ones a fixed sum.  <\/p>\n\n\n\n<p>Decreasing Term \u2013 the pay-out of this cover\nwill decrease over time. This is usually taken out to cover a loan or mortgage\nand will decrease at the same rate as the loan it is covering. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_long_do_I_need\"><\/span>How long do I need?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You are covered for a set amount of time for this type of\ncover. If you\u2019re covering a mortgage, you might want to make sure you are\ncovered until after it will be repaid. If you have children, you might want to\ncover the number of years until they turn eighteen. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_do_I_need_for_life_insurance\"><\/span>How much do I need for life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You\u2019ll need to work out how much cover you\u2019d like. Consider\nthe following:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_do_you_want_to_leave_your_dependants\"><\/span>How much do you want to leave your dependants? <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is money you\u2019ll want to leave your dependants in order\nfor them to be financially protected, and not drastically change their\nlifestyle due to your death. An easy way to ensure this is to multiply your\nannual take-home pay with the number of years until they turn eighteen, or the\nnumber of years you\u2019d like to continue supporting them. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_of_your_mortgage_is_outstanding\"><\/span>How much of your mortgage is outstanding?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is pretty self-explanatory \u2013 how much money would be needed to completely pay off your mortgage? If you pay half with your partner, you might want to only cover your half, but make sure you discuss this prior to taking out a policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_do_you_have_in_other_debts\"><\/span>How much do you have in other debts?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you have a loan or a credit card, how much do you have\noutstanding on these? You can have a quick look at your credit report on Credit-Score to find out\nyour total debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_will_your_funeral_be\"><\/span>How much will your funeral be?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It would be helpful to include the cost of your funeral in\nyour life insurance policy to ensure that your loved ones aren\u2019t out of pocket\nwhen you pass away.<\/p>\n\n\n\n<p>Add up all of these figures to get the total amount you\u2019ll\nneed to cover yourself for. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Assumptions\"><\/span>Assumptions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some assumptions will be made about you when you search for\na quote. These are usually around the risk of your job, your general health,\nyour use of recreational drugs and your family history. If any of the\nassumptions about you are incorrect, the quotes that you will receive may not\nreflect the actual cost to you \u2013 spend some time on the individual websites to\nget more detailed quotes in this case. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_I_need_life_insurance\"><\/span>Do I need life insurance? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"You_should_consider_taking_out_life_insurance_if\"><\/span>You should consider taking out life insurance if:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>You have kids or other dependants who currently\nrely on your income <\/li><li>You have family living in a house which you are\ncurrently paying the mortgage on. <\/li><\/ul>\n\n\n\n<p>If you do take out life insurance, make sure you take out\nsome kind of cover for your funeral arrangements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"You_might_not_need_life_insurance_if\"><\/span>You might not need life insurance if:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>You\u2019re single<\/li><li>Your partner\u2019s income would be enough for your\nfamily to live on and continue with the mortgage payments<\/li><li>You\u2019re on low income<\/li><\/ul>\n\n\n\n<p>If you choose not to take out life insurance, you should\nstill set aside money for your funeral arrangements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_costs_of_life_insurance\"><\/span>What are the costs of life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The costs of your premiums will generally depend on several\ndifferent factors. Make sure you shop around and compare different offers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Costs_will_depend_on\"><\/span>Costs will depend on:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Age \u2013 generally, the younger you are, the less\nlikely you are to die. This means that you\u2019ll pay less, as the likelihood of\nthem needing to pay-out is lower. <\/li><li>Health \u2013 your general health is important when\ntaking out life insurance. If you have generally good health, you\u2019re considered\nless likely to die, making your premium cheaper. Make sure you are honest about\nyour health when purchasing your insurance.&nbsp;\n<\/li><li>Lifestyle \u2013 if you take part in a dangerous\nsport or job, you\u2019ll likely have to pay a higher premium. <\/li><li>Whether or not you smoke &#8211; it\u2019s no secret that\nsmoking decreased your life expectancy and therefore, if you smoke, you\u2019re more\nlikely to pass away within your term of insurance.&nbsp; <\/li><li>Length\/type of policy \u2013 Your price will differ\ndepending on the length or type of policy you have. Term assurance policies\ntend to be cheaper, as there\u2019s less of a chance that you will die during the\nterm.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_your_employer_cover_your_life_insurance\"><\/span>Does your employer cover your life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In some cases, your employer might have something called death-in-service. This is similar to life insurance, where your employer will pay a lump sum to your family if you die whilst working for them. Your death doesn\u2019t need to be at work or related to work, you simply need to be hired by them at the time of your death.<\/p>\n\n\n\n<p>It\u2019s worth noting that this isn\u2019t the same as life insurance\n\u2013 the pay-out is often related to how long you have been with the company and\nmay not be enough to fully protect your loved ones when you pass away. <\/p>\n\n\n\n<p>You can take out life insurance to cover the difference\nbetween how much your employer covers you for and how much you need. This would\ncost you considerably less than covering yourself in full. <\/p>\n\n\n\n<p>You\u2019ll only be covered while you\u2019re employed by the company\nas well, so make sure you take out full cover if you decide to leave them. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consider_other_forms_of_insurance\"><\/span>Consider other forms of insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It might be the case that life insurance isn\u2019t what you need\n\u2013 if this is the case, there might be another type of insurance that can do\nwhat you need. Read on to find out about similar insurance policies that could\nhelp you instead. <\/p>\n\n\n\n<p>Income Protection \u2013 will pay you a sum if you\nfind that you cannot work due to illness or injury. This is usually worked out\nas a percentage of what you would ordinarily earn. <\/p>\n\n\n\n<p>Critical illness insurance \u2013 Will protect you\nfinancially if you are diagnosed with a serious illness or are injured. The\nillness or injury usually has to be specifically mentioned in the policy in\norder to be covered.<\/p>\n\n\n\n<p>Additional \u2013 Can pay out\nmore than once. These will pay out if you are diagnosed with a critical illness\nand in the event of your death <\/p>\n\n\n\n<p>Combined \u2013 Can only pay out\nonce. Will pay out the full amount if you are diagnosed with a critical illness\nor in the event of your death. <\/p>\n\n\n\n<p>Payment protection insurance \u2013 Helps you\ncontinue with payments on a loan, credit card, or mortgage when you can\u2019t work\ndue to illness, an accident, or redundancy.<\/p>\n\n\n\n<p>Now you\u2019re in the know about life insurance, you\u2019re ready to start searching. Make sure you read the small print of the policy you end up taking to ensure that you\u2019re fully covered. You can use <a href=\"https:\/\/www.check.co.uk\/landing-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s<\/a> life insurance tool to search for and apply for life insurance. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"Nobody wants to think about their own death, but if you have children or any dependants, it\u2019s vital&hellip;\n","protected":false},"author":22,"featured_media":4232,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[462,298,463],"tags":[464,466,465],"class_list":{"0":"post-4231","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurance","8":"category-life-events","9":"category-life-insurance","10":"tag-insurance","11":"tag-insurance-policy","12":"tag-life-insurance"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/photo-1513267000941-598abe7be16f.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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