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Types of life insurance

Various types of life insurance to choose from

It’s so important to make sure your loved ones are protected when you die, because after all you’ll have done all you could to protect them in the past. Coping with the death of a close relative can be extremely difficult, but with an adequate life insurance policy already in place at least the financial side of things can be taken care of.

 

Having decided to get life insurance, how can you be sure that you’re choosing the right policy? There are various types of insurance available on the market, so it’s a good idea to speak to the specialists at Insured Right before deciding on a specific policy. The one that best suits your needs will depend on a number of factors.

 

Many people choose family life insurance policies, in a bid to make sure their partners or children will have a sum of money to help them cope after the death of a policy holder. Issues such as mortgage payments, personal debts and funeral expenses can then be covered by the payout.

 

The period of time covered by life insurance can differ. Level term life insurance will insure an individual for the whole of that person’s life. Usually, the sum insured and the monthly premiums will stay the same throughout the life of the policy. With decreasing term life insurance, the value of the potential payout will drop during the policy’s existence. This is often used to cover the time it takes to pay off a mortgage.

Cover for both of you when you need it most

If you and your partner would both like to be included in a policy, joint life insurance could be the best way to go. When one partner dies, the other will receive a lump sum, enabling them to settle bills without having to worry about immediate financial stress. Peace of mind is of course a major reason for seeking insurance.

 

While there are a number of organisations offering policies from all the market leaders, it’s worth noting that some will merely point you towards cover that brings them the highest commission, irrespective of whether the product itself is more beneficial to you than the rest.

 

Insured Right are not like that and we never will be. Our first priority, indeed our mission in life, is to find policies that match your requirements for a cost you can afford. The insurance market is a complex entity these days, but we work hard to help you locate cover that doesn’t end up costing you an arm and a leg.

 

To find a life insurance policy that leaves you and your family protected should the worst ever happen, all you need to do is call 01382 279 087 as soon as possible. The friendly team at Insured Right are ready and waiting to help you, and we’re looking forward to hearing from you in the very near future.

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Types of life insurance
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