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Life Insurance

The policy pays out a set amount of money upon the death of the insured person .

Whole Life Insurance

Whole life insurance or whole of life assurance is a life insurance policy that remains for the insurer's whole life and in most cases requires premiums to be paid for the life of the policy.

Level Term Insurance

Level Term Insurance also known as Level Term Assurance and Level Term life insurance is where the sum assured is guaranteed to be the same over a given period of years, the term. It is a specific life assurance policy that only pays out if the insured person dies within the relevant term.

Mortgage Payment Protection Insurance

Mortgage payment protection insurance pays mortgage repayments in the event of accident, sickness or unemployment.

 

Critical Illness Assurance

Critical illness insurance or critical illness cover is an insurance product. It is where an insurer is contracted to typically make a cash payment if the policy holder is diagnosed with one of the critical illness listed in the policy.

Permanent Health Insurance

Permanent Health Insurance pays a proportion of your salary if you are unable to work through sickness or accident. Unlike ASU insurance, it continues paying until your normal retirement date (or return to work, if sooner).

How to find the Best Deal Life Insurance

To find the Best Deal Life Insurance ensure that you shop around. Each Life Insurance Company has different monthly premiums which will vary depending on your circumstances. You should always compare other insurers rather than just accept the initial Life Insurance quote you receive, especially if it is in conjunction with a loan or mortgage and the quotation is being provided by the lender.

 

BestDealPlease.com News

Latest News 11/03/2010 at 11.58 GMT
 
In a survey conducted by Norwich Union they have found that up to seven percent of their policy holders provided false information about their health when applying for life insurance and critical illness policies.

The company wrote to 5,000 customers requesting that they validate any information that they may have entered incorrectly on their application. Roughly fifty percent of the applicants responded to the initial request with the approximately seven percent of the applicants admitting to providing misleading information which ultimately could invalidate their policy.

Some of the major falsifications of information included things like denial of being a smoker when the applicant was and giving incorrect information about their weight or pre existing health problems.

In a separate poll by Norwich Union they concluded that up to fifteen percent of applicant’s submitted false information when applying for insurance.

The general consensus from most life insurance companies is that it is just not worth falsifying information on their application form because if you are found out you risk having the policy invalidated. This ultimately means that the insurance company has the right to withhold payment on their policy because false information was supplied.
The premium you will pay will vary depending on the amount of cover you apply for the term and your personal circumstances. Rates are based on a sum assured of £150,000 over 10years for Level Term, assuming that the premiums remain constant throughout the term. Available single cover to a female, non-smoker, 21 years of age next birthday. Details correct as of 03/03/2010 BestDealPlease.com does not and will not enter into consumer credit or consumer hire agreement as a part of its business. BestDealPlease does not give nor is it allowed to give any insurance or financial advice. Insurances are regulated by the Financial Service Authority. Our service is free to you but to operate this service we may receive commissions from the provider or broker we refer you to. Bestdealplease.com cannot guarantee nor does it guarantee that you will receive the best deal.
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