FREE INDEPENDENT ADVICE

The Advisers at LifeSearch are experts in their field and highly trained in all the aspects of life insurance.

They’re friendly and easy to talk to and they’ll guarantee  to find you the policy that best suits your needs.

COMPARE OVER 400 LIFE INSURANCE PLANS FROM EVERY INSURER.

LifeSearch then present the winning Plans to you and highlight the cheapest and best value for money.

Terminal illness included
at no extra cost		 Save up to 40%.
A unique Plan combining aspects of life, critical illness and income protection insurance for the UK.
Ask for details.		 FREE
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LifeSEARCH
an Award Winning Team

In  4 out of the last 5 years, LifeSearch has been voted the Best Protection Adviser at the annual Money Marketing Financial Services Awards.

 

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Civil status Single Joint
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1st Line of Address 8 Homesdale
2nd Line of Address Bromley
3rd Line of Address Kent
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Life Insurance Tips

  • Do pause before jumping into the life insurance jungle. Check how much cover you already have for example, through an employer’s pension fund, existing investment policies and your mortgage. Only then should you consider buying life insurance.
  • 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 Cheap 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 32% of British adults have no life insurance cover? And a further 27% believe they are making inadequate provision?
  • 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 some companies monitor life insurance rates on a regular basis and can provide you with quotes over the telephone?
  • Did you know that the Association of British Insurers produces useful leaflets on life insurance?