Life insurance premiums can quickly become expensive if you ask for more cover than you need. To determine the amount, you must consider what needs covering in the first place. Do you need mortgage protection? Do you need your family’s living expenses covered until your children are likely to be financially stable? It can be tricky to figure this out on your own, so we recommend using a life insurance calculator.

Our calculator will ask you a series of questions, such as who needs to be covered, how much you need to cover, and the cover period of the policy. Once you fill in the questions, the calculator will estimate the cover amount you might require.

There are numerous life insurance policies that you can choose from. Each policy has its own unique selling point and benefit. If you’re unsure which one best suits your situation, you should fill the quote on our website and our experts would contact you to discuss your needs. Alternatively, you may read one of our helpful guides, including life insurance for over 60s and life insurance for smokers.

Getting the right cover is crucial since you don’t want your family to run into difficulties if you were to pass away prematurely.

One of the best ways to find competitive prices from multiple insurers at once is to fill the quote on our website. Contacting an insurance provider will only get you quotes from that specific organisation, which aren’t necessarily the best on the market.

Another factor to think about before applying for life cover quotes is lowering your premium. Life insurance cost is affected by lifestyle, smoking status, occupation, health, and medical records. Of course, some of these can’t be altered, but some factors can be.

This includes quitting smoking and living a healthier lifestyle. Doing this will significantly impact your life insurance premium and improve your lifestyle considerably.

Finally, as with any insurance policy, you must read the small print before accepting cover. Failure to read the policy correctly could mean that your family is declined a payout due to something you overlooked. This is usually the case when the cause of death is not covered by the insurance provider. Companies will also have other terms included in the small print that you must learn about.