Life Insurance and Life Assurance are Not the Same! by Michael Challiner
The average man in the street assumes that Life Insurance and Life Assurance are names for the same form of insurance. How wrong they are! But don't hang your head in shame, many financial commentators get it wrong too! Life Insurance and Life Assurance perform different financial roles and are... The differences are that with life insurance the size of payout would be preset whereas with life assurance it would depend on the guaranteed minimum and the insurance company's investment performance.

Understanding UK Life Insurance Cover by Ken Barnes
When you’re searching for UK life insurance cover, it’s easy to get confused. All you want is an inexpensive way to protect your loved ones or your estate in the event you should pass on earlier than expected. But as you start searching you realize that what you thought would be a simple task is... After all, what good will your UK life insurance cover be if the company you select does not have the financial resources to make good on your cover? ... UK life insurance cover isn’t about you Here are a few good reasons.

UK Mortgage Insurance - Need for Mortgage Insurance by Nash A
Insurance is a great way to safeguard your self from the uncertainties in life. Mortgage Payment Protection Insurance is designed to protect you from getting into debt or missing the mortgage payments due to unemployment. If you are living in a country like UK mortgage insurance is extremely... The mortgage insurance companies offer all kinds of covers like life insurance, handicap, ailment and severe illness. ... In case of unemployment, the mortgage insurance company will make the payments on your behalf.

Cheapest UK Life Insurance by Ken Barnes
Most companies will claim that they’re the one with the cheapest UK life insurance rates. While this claim may or may not be true, one thing is certain. Selling life insurance is extremely competitive. Thousands of companies and independent sales agents are working hard to attract your attention. ... No one likes to think about his or her mortality but that’s just what purchasing life insurance forces you to do. ... The money from your life insurance policy can then be used by the beneficiary as he or she determines is best.

Life Insurance Information by John Mussi
Life insurance is a personal insurance plan designed to pay out a sum of money on the death of the policyholder. Life Insurance is an insurance that is taken out against a persons life. It will pay out either a lump sum or monthly contributions to the “trustee” or next of kin in the event of the... Which life insurance company you choose can also have an impact on the level of premium required as different life insurance companies treat clients differently. ... The types of life insurance available include: Mortgage Life Insurance Designed to pay off your mortgage in the event of your...

Tips for Finding Cheap Life Insurance by Ken Barnes
Cheap life insurance is out there, if you know what you’re looking for. That’s why it’s important to do your research. You’ve got to educate yourself on the various types of life insurance policies that are available, including additional benefits that may or may not be offered. ... Whole life, as the name implies, provides life insurance benefits for the rest of your life, whether that ends up being 10 years or 50. ... Term life insurance will almost always cost you less than whole life insurance.

Is Critical Illness Insurance Really Necessary? by Victoria Slotover
Do you think that Critical Illness Insurance is not really necessary because you do not believe that you will ever need it? Although most people do not like to consider the possibility that it will happen to them, the chances of developing a serious illness are high enough to make it important... If you have Critical Illness Insurance cover and you are diagnosed with a serious illness you will receive a tax free lump sum payment from your insurance company. ... So given the usefulness of Critical Illness Insurance and the likelihood of developing a serious illness at some time, why do so...

Life Insurance – Why Your Policy Should Be Written In Trust by Michael Challiner
One of the UK's biggest life insurance companies recently pointed out that only 1% of life insurance policies are written in trust. This should not be the case – and in this article we explain why. By having your policy “Written in Trust”, it means that if a claim is made, the beneficiaries... Express Life Insurance specialise in life insurance quotes uk but also offer both critical illness cover and life assurance policies. ... There is no extra charge for having your policy written in trust, the documentation is standard and the life insurance company will easily process the forms for you.

Guide to Life Insurance by John Mussi
Here is a useful guide to life insurance. Simply put, a life insurance policy provides a lump sum payment upon death of the policy holder. In exchange for regular premiums, a life insurance company will insure your life so that when you die, the policy should pay out to protect your dependants... Life insurance can be used in many ways, not just to protect a young family or repay a mortgage. ... Many people first come across life insurance when they take out a mortgage, as lenders often insist on it to make sure the loan is repaid if you should die still owing them money.

Insurance or Assurance - Do You Need Reassurance? by Rachel Lane
Insurance versus assurance: what is the difference? Should you care? Yes!! The world of finance is extremely complicated and there are many factors to consider when choosing any financial protection product. When looking for a policy you need to know what you are looking for and what is on offer... Richard Brown, Chief Executive of Moneynet.co.uk, clarified the situation by stating, “most life insurance companies offer a wide range of insurance and investment services – for example pension, investment funds, investment bonds, car insurance, home & contents insurance, life assurance, and...