Finding Cover: Life Insurance
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Also consider critical illness cover. Critical illness cover is a long-term insurance policy that's designed to pay you a lump sum on diagnosis of a varied range of seriously incapacitating or life threatening conditions such as loss of limbs, heart attack, stroke, cancer, blindness and many more.
You can use the payout for anything you wish including medical treatment or to pay off your mortgage.
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discover the differences between the providers Following your enquiry, an independent, impartial advisor will contact you and help you choose from a range of the major UK Life Cover providers. Your privacy is important to us, we do not share your contact details.Possible Life Insuance Providers...
The Finding Cover Life Life Insurance site is an advertising vehicle for Ingard Financial, (Reg. Office) Ryan House, 18-19 Aviation Way, Southend on Sea, Essex SS2 6UN. Registration Number 05728066. Registered in England and Wales. Ingard Financial is regulated by the Financial Services Authority (FSA). With over twenty years experience in the financial sector, Ingard Financial has forged a reputation for offering a superior service based on honesty, integrity and a clear transparent work ethic that ensures every client is treated fairly and professionally.
Life insurance for the overweight
Not overweight? Click here.
Thin, non-smoking office workers have all the luck!
As a larger person you'll pay more than a thinner person, as a smoker, you'll pay more than a non-smoker and if you do a dangerous job you'll pay more than an office worker. Life insurance also costs more for men because, on average, they don't live as long as women. I'm sure you get the idea.Think of a number
Approximately 25% of the people in the UK will experience problems getting the life insurance they want due to being overweight. Sadly, some are even flatly refused by the life insurance companies.A little on the large size myself, I'm more than a little miffed that life insurance for those of us that society deems overweight is so much more expensive.
Yes, we're all told that being overweight is bad for our health, but it's also bad for our bank balances when it comes to life insurance!
The cost of your life insurance will depend on several factors, such as the amount of cover you want and the length of the term. But it's also based on the probability of your insurer having to pay out.
Now double it
No, seriously, the price you could pay for your insurance can be double that of your thinner friends!You need to choose very carefully which life insurance policy you decide upon. Imagine not knowing if you've chosen the right cover and imagine not knowing if you're paying over the odds for it. As an overweight person, any mistakes can be extremely expensive.
With this in mind, you need to be certain you don't end up paying too much for your policy.
But I'm an athlete!
OK, there might be some fortunates out there whose weight will be attributed to no fat and all muscle, but most of us know if we're overweight or not. For those that don't, the powers that be have invented a natty little index to free us from our denial.Weight and height and are just two questions you answer when you apply for life insurance and insurers use this information to calculate your Body Mass Index (BMI).
If your BMI exceeds life insurance companies' acceptable limits, you can expect your premium to rise - if it exceeds their limits dramatically, then expect your premiums to rise dramatically.
Adult BMI is determined by multiplying your height in metres and then multiplying by the same figure. Then divide that figure by your weight in kilograms.
The resulting figure is not always a pinpoint indication and the medical establishment do generally acknowledge some shortcomings. For example, fatness is sometimes overestimated in muscular or athletic people. That said, insurance companies find it's a useful tool to estimate a healthy body weight based on how tall a person is.
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Your family's life shouldn't stop just because you're no longer around.
Start here to make your search for life insurance much easier!
There are three questions to you need to ask yourself:
If, like many others, you're unsure about all three, then you're definitely at the right site!
We take the stress and work away from your life cover search
Life insurance experts will search the market on your behalf so you don't have to. You don't have to spend time and effort looking around for the best life insurance deals. Simply let us know your details and the whole of the UK market will be searched and compared.Then what?... You'll receive free Life Insurance Comparisons. Your friendly advisors will explain everything that you need to know about which type of cover is best for you.
Importantly, they'll also let you know how much you should be paying for your life cover. You can then easily choose which policy suits you and your pocket. Simplicity itself!
Why should I?... It'll save you lots of time and effort and could save you quite a bit of money in the process. Crucially, your loved ones will receive a lump sum when the inevitable happens.