The Rhino teams up with ClickLife We've teamed up with ClickLife to ensure you get the best prices and best service money can buy. ClickLife are life insurance specialists and are one of the outstanding leaders in the field of life insurance. When you Request a Life Insurance Quote, ClickLife will call you back with all the information. Information about Life Insurance We recommend you take a little time to read a bit about life insurance. After all if you don't buy the right policy it's money down the drain. The problem is that it's all too easy to get it wrong. We realise this and, together with ClickLife, we work hard to help you get it right. That's why we place so much emphasis on help and information . Within a few hours a Life Insurance Consultant from ClickLife will phone you back with a really cheap life insurance quote. Remember that if, within 7 days, you obtain a cheaper quote on a like-for-like policy, then email it to ClickLife at info@clickgroup.com . They'll guarantee to beat it . Articles about Life Insurance Life Insurance Without Life Value Why Young People Are Snubbing Financial Advice An interesting article dealing with the lack of awareness in the young about their personal financial situation. Why Should I Even Bother to Buy Life Insurance? The case for having life insurance Critical Illness Insurance. Do you really need it, or is it a waste of time? There is a 1 in 5 chance that a man will suffer a long-term critical illness before his normal retirement age. So why isnt critical illness insurance more popular? This article investigates the reasons and reinforces the importance of this form of insurance. Life Insurers use the Body Mass Index to tighten the belt on fat people If youre fat the life insurance companies will load your premium by up to 400%. But how do they decide who is overweight? This article explains. Critical Illness Insurance. Critically important – time to take cover Tell the whole truth on your application form. Currently one in four of claims are rejected. Life Insurance – Outweighing The Benefits? Insurance companies need to know if you're overweight. Here's a question you can't avoid! Life Insurance News

Life Insurance Tips

• Do keep savings and insurance separate. It is one of the golden rules of personal finance.

• Do seek independent financial advice. While buying life insurance is relatively straightforward, making sure that you are buying adequate cover is a different matter. A good advisor will help you determine how much cover you require, taking into account your existing insurance, age number of dependants, your income and financial liabilities. He or she should review your cover on a regular basis to make sure it meets your financial needs. It is also a fact that the competitiveness of products varies from year to year, necessitating a regular review – say every three or four years.

• Don’t be afraid to shop around for alternative life insurance even if you already have life insurance cover. Life insurance premiums have fallen over the past few years through increased competition and reduced concerns over the possible impact of AIDS on claims. Many people could save money be canceling their present policies and shopping around for alternative cover.

• Do write your policy in trust. By doing this, the proceeds from the policy will not form part of your estate when you die and will be excluded from any inheritance tax assessment. Payment of a death claim under a policy written in trust is usually faster because probate is not required.

• Do remember that if you stop paying premiums on your term life insurance policy, your cover will expire with no cash value.

• Don’t surrender a life insurance policy without first taking financial advice.

• Don’t be enticed by mail shots or newspaper adverts offering free gifts or free initial cover if you take out a specific life insurance policy. You are much better off consulting a financial adviser.

• Don’t forget that life insurance is equally important for a non-working partner. If you are the breadwinner and your non-working partner dies, a life insurance policy would pay for home help while you continue to work.

Interesting Life Insurance Facts

• Did you know that life insurance can play an important role in protecting a business from disaster? Known as key person or key man insurance, cover may be brought to protect your business from the disruption caused by the death of a key employee.

• Cover that will provide a business partnership if a partner dies is also available. The life insurance allows surviving partner(s) to buy the deceased partner’s share from the estate to which it would otherwise automatically pass. Similar life insurance may be bought by directors of a business to protect their interests in the event of a death of a fellow director.

• Did you know that the Association of British Insurers produces useful leaflets on life insurance?