Top tips to buying life insurance

Life insurance is not something that many of us like to think about, but the fact is that this type of policy can give essential financial security to you and your loved ones. Life insurance will pay out a lump sum of money when you die, which can be used to pay off your mortgage, pay for funeral costs or just as additional income.

Here are our top tips to buying a life insurance policy that’s right for you:

Quit smoking

Quitting smoking is one of the first things you should do when you are considering life insurance quotes. Smokers will pay considerably more for their premiums because the insurer is more likely to have to pay out for them. But people who have quit smoking for at least 12 months could benefit from the same premiums as non-smokers.

Other lifestyle factors that could affect your policy are things like your Body Mass Index (BMI) and any pre-existing health conditions.

Take out a policy young

The younger you are when you take out life insurance the cheaper your premiums will be. This is because younger people are usually healthier and are therefore a lower risk to the insurer. If you take out a guaranteed premium when you are young, the cost of your policy will never rise no matter how old you get.

However, the real value of your lump sum of money will reduce over time because of inflation.

Don’t choose a joint policy

Joint policies are often cheaper than taking out two separate ones, but in the long run two separate policies are better value for money. A joint policy will pay out after the first person dies, whilst two separates policies will offer two pay outs. If you are part of a couple with dependents it might be better to look at the long-term value like this.

Don’t lie on your application

If you lie on your application form, for example saying you don’t smoke in order to get lower premiums, you are seriously risking your pay out in the future. If your insurer finds out you were lying, they may refuse to pay out the money, and your premiums will not be refunded.
The same applies for any details about your health when you take out your policy, or any information you give about the amount of alcohol you drink.

Research the market

An easy way to make sure you take out suitable life insurance is to research the whole market first. Using a life insurance comparison website can make this process quick and easy. This way, you know you are getting the best possible cover for your money.

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