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 smokers
Non smoker? Click here.
Insurance brokers make the whole process of buying life insurance for smokers so quick and easy
Our 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.An upsetting truth
Yes, we all know smoking 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.
For instance, 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.
The price you could pay for your cover can be up to double that of your non-smoking counterparts!
You need to choose very carefully which smokers life insurance policy you buy. Imagine not knowing if you've chosen the right cover and imagine not knowing if you're paying over the odds for it. As a smoker, any mistakes can be extremely expensive.
Help is at hand
The good news is that you can now stop searching - the hard work is done for you.More 'good' news is that if you have existing health problems, you shouldn't necessarily assume that you're uninsurable. Advances in the treatment of diseases such as cancer have led insurers to lower premiums for people once considered a much higher risk.
Brokers have access to a dedicated team of experts who specialise in finding life insurance for people in all situations. Fully qualified brokers will search the whole of the UK life insurance market and identify an appropriate range of products that suit your circumstances.
Save time
Brokers deal with a huge range of life insurance products and companies, so if you smoke, whatever your age, job, circumstances or gender, they'll be able to show you many different options. They will also aim to show you the strongest and most competitively priced policies available.Save money
Compare the whole market for prices. Even those of you that already have a life insurance policy could benefit from lower prices by switching your cover to a different, cheaper provider. This can be especially true for those who are 'penalised' because they smoke.That said, you'll also need to compare what's covered by a life policy and not just look at the price. Some cheaper life insurances may not offer the same level of protection. However, you shouldn't have to settle for second best just because some insurers inflate their prices.
Also, if you give up smoking, it may be possible to get a premium reduction after 12 months.
Compare smokers life insurances
Smokers are charged much higher monthly payments than non smokers which makes it even more important to get comparisons.Uncover the differences in the costs of smokers' policies. As a smoker, you should also seriously consider comparing the costs of critical illness insurance.
Compare critical illness cover
You can protect your lifestyle by buying critical illness insurance. Everyone knows about protecting yourself or your mortgage with life insurance should the worst happen, but suffering a critical illness can have a similar impact on your family.Critical illness cover pays out a lump sum if you're diagnosed with any of a range of life threatening illnesses. These include heart disease, strokes, cancer and multiple sclerosis. The number of conditions can vary and will affect the premium paid.
A selection of the critical illnesses that are often covered are as follows. Please note that critical illness cover policies differ in what they cover and may also have age restrictions. It is important that you are familiar with the inclusions and exclusions.
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Why the need for critical illness insurance?
As medical techniques advance, people are increasingly surviving serious illness.Almost everyone has a family member or friend who has suffered from a major, possibly fatal, critical illness.
We search the whole of the market and use trusted life insurance brands
IMPORTANT PLEASE READ: Why aren't we an automated life insurance comparison site? Comparison sites have been heavily criticised in the media and by the Financial Services Authority (FSA) for their lack of independence and incomplete information. Some even sell your details to 3rd parties. Others make incorrect assumptions about your circumstances.Consumers often don't realise that they're not getting the whole picture. Not one of these comparison sites cover the whole market. For instance Aviva, the UK's largest insurance provider, refuses to be listed on them. Some comparison sites even have agreements in place ensuring they don't offer better deals than the insurer.
The FSA say "Some may only include products that the website can make money from in some way, for example if you click through to the provider."
Peace of Mind
protect your family
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.