Cookie Policy

We use cookies to distinguish you from other users of our Sites and Services. This helps us to provide you with a good experience when you use our Sites and Services and also allows us to improve them. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

Last updated: 24/06/2020

We use the pieces of information that cookies record to help us improve services for you by, for example:
• enabling a service to recognise your device so you don’t have to give the same information several times during one task
• measuring how many people are using services, so they can be made easier to use and there’s enough capacity to ensure they are fast
• analysing anonymised data to help us understand how people interact with our services so we can make them better
How to control and delete cookies:

We will not use cookies to collect personally identifiable information about you.

However, if you wish to restrict or block the cookies which are set by our websites, or indeed any other website, you can do this through your browser settings. The ‘Help’ function within your browser should tell you how.

Alternatively, you may wish to visit the AboutCookies.org website which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.

Please be aware that restricting cookies may impact on the functionality of our website.

If you wish to view your cookie code, just click on a cookie to open it. You’ll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.

For information on how to do this on the browser of your mobile phone, please refer to your handset’s user manual.

Cookies We Use and Why:

Strictly Necessary Cookies

These cookies let you move around the website and use essential features like secure areas. These cookies don’t gather any information about you that could be used for marketing or remembering where you’ve been on the internet.

We use these Strictly Necessary cookies to:

• Remember things like information you’ve entered on forms
• Make sure you connect to the right service on our website when we make any changes to the way the website works.

Cookies we have defined as ‘Strictly Necessary’ cookies will not be used to:

• Gather information that could be used to advertise products or services to you.
• Remember your preferences or username beyond your current visit.

Accepting these cookies is a condition of using the website, if you prevent these cookies, we can’t guarantee our website will perform as expected during your visit.

Performance Cookies

These cookies help identify information about how you use our website e.g. which pages you visit, and if you experience any errors. These cookies don’t collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our users, and measure how effective our advertising is.

We use performance cookies to:

• Provide statistics on how our website is used.
• See how effective our adverts are (we don’t use these cookies to target adverts to you when you visit other websites).
• Help us improve the website by measuring any errors that occur.
• Test different designs of our website.

Using our site indicates that you accept the use of ‘Performance’ cookies. Accepting these cookies is a condition of using the website, if you prevent them, we cannot guarantee how our site will perform for you.

Functionality cookies

Functionality cookies are used to provide services or to remember settings to improve your visit. We use Functionality cookies to:

• Remember settings you’ve applied such as layout, text size, preferences and colours.
• Remember if we’ve already asked you if you want to fill in a survey or review.
• Show you when you’re logged in to the website.

Cookies defined as ‘Functionality’ will not be used to target you with adverts on other websites.

Preventing these cookies may mean we can’t offer you some services and will reduce the support we can offer you. It’s also possible that preventing these cookies will stop us remembering that you didn’t want a specific service.

For example, social media sharing cookies apply when you share our content on a social network such as Facebook or Twitter.

Targeting/marketing cookies

We have relationships with carefully selected and trusted marketing suppliers. Sometimes you might see our adverts on other websites. This is because a cookie has been used to deliver the ad to you. It is important to understand that these cookies are completely anonymous – they are only stored on your computer. No information is ever shared with other websites and you have the ability to opt out of targeted marketing directly from these trusted suppliers.

Preventing these cookies may stop us from offering you some services. All of these cookies are managed by third parties.

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Types Of Cover

If you want to take out insurance to ensure your partner or family is provided for in the event of your death, there are a number of types of life-insurance policy to choose from.

Level Term

Level term life insurance is the ideal option if you are looking for a set amount of cover for a certain period.

Mortgage Insurance

Mortgage life insurance is life insurance you take out to cover the cost of your mortgage payments for your dependants if you, or your partner, pass away.

Over 50s

Over-50s life insurance is a type of life insurance for anyone aged over 50. You pay for this kind of life insurance with regular monthly instalments and when you die, it pays out a lump sum.

Whole Life

A whole life policy provides a set amount of coverage for your entire life. Your beneficiary will receive the benefit amount.

Critical Cover

Most critical illness policies provide for the payment of a lump sum benefit if the policyholder is diagnosed as suffering from one of a number of specified terminal illnesses.

Joint Life Cover

A joint life policy might be cheaper than two single life cover policies, but that will depend on your circumstances. Think about whether both of you have the same need for life insurance.

Get A Life Insurance Quote Today, It Takes Just 30 Seconds And Your Loved Ones Will Be Protected

Put simply, life insurance is a policy that pays out a lump sum to your loved ones if you pass away during the time you’re covered. You can decide the length, type of contract and cover amount. Your monthly payments are then based on these plus your medical history, age and lifestyle choices.

FAQ

You’ll likely have a lot of questions as you shop for life insurance quotes — not only about what you’re buying, but also about what can happen after your purchase.

Life insurance isn’t like buying a car or a TV. Unless you tap into life insurance later in life, you won’t benefit from a life insurance policy. However, you can have peace of mind knowing that your loved ones are protected. 

How much cover do I need?

A thorough “life insurance needs analysis” looks at your current and ongoing expenses, plus your future expenses like university, or your funeral. But simply adding up all those numbers could amount to a bigger policy than you need. You should also subtract assets that can go toward those expenses, such as savings and investments.

Do insurance companies pay out?

Yes. Insurers paid out more than 97% of term life insurance claims in 2018, according to the Association of British Insurers (‘term’ refers to life insurance policies which run for a set time period, usually until retirement).

As long as the terms of the policy are met, an insurance company will pay.

Is there anything that might prevent an insurer paying out?

Yes. There are some reasons a life insurance claim may be declined. An example of this might be if a serious health issue was not mentioned at the time of taking out the policy (this is called non-disclosure).

Can I cover my children?

Yes. It may be possible to add a child or children to your life insurance policy, but it will depend on the insurer and the policy.

Is my life insurance policy protected?

Yes. Your life insurance policy is protected by the Financial Services Compensation Scheme (FSCS).

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