How to get the best life 保険 and the cheapest price
- Life 保険 can 支払う／賃金 off your mortgage or 供給する a 財政上の lifeline for your family if you die
Life 保険 is one of the most needed but under-bought 保険s.?
If you've got children, or other dependants, or a 共同の mortgage, the chances are you'd do 井戸／弁護士席 to 投資する in a life 政策. Life 保険 can （疑いを）晴らす your mortgage if you die and 供給する money to help your family 生き残る without you.?
But nobody likes to think about dying, which probably explains why only 35 per cent of UK families have life 保険 to cover them if one of the main breadwinners died 突然に, によれば Direct Line.
Life 保険 isn't the most enticing of 購入（する）s but it could 結局最後にはーなる 存在 the most important 財政上の 製品 you ever buy, as it will 保護する your loved ones if family 災害 strikes. We explain what you need to know and how to get the best life 保険 政策 and the cheapest price.
Life 保険: 政策s can 供給する cover until you die, for a 始める，決める period of time or until your mortgage ends
Life 保険: Need to knows
There are different ways to life 保険 buy - online through a price comparison website, direct from a provider, or through a qualified 財政上の 助言者.?
And there are several things to consider.?
Cheapest won't always mean best, you'll have to think about what the 権利 level of cover is for you, and you'll have to check what 手はず／準備 you may already have through work.?
Life 保険 政策s can be 共同の or individual.?It is 価値（がある） comparing costs on both, as separate 政策s can work out better and cheaper for a couple - or only a little more expensive - and if something terrible happens and you both die they will both 支払う／賃金 out.?In contrast, a 共同の 政策 will typically only 配達する one payout on the first person's death.
Be 用心深い of 'low-start' 政策s that start with low 賞与金s that then rise over time, as these can 結局最後にはーなる working out more expensive over the duration of the 政策.
Reviewable 賞与金s will only be 始める，決める for a 確かな 称する，呼ぶ／期間／用語 and will most likely 増加する on a date in the 未来 when they are reviewed.
If you 令状 a life 保険 政策 in 信用, it 落ちるs outside of your 広い地所, won't 配達する an 相続物件 税金 法案, and will be paid 直接／まっすぐに to the person you 明示する it should go to without the need to wait for probate.?Providers or 助言者s will be able to help you do this. It sounds 複雑にするd, but it isn't and 簡単に 伴う／関わるs filling in a form.?
This guide will tell you in more 詳細（に述べる） what you need to know about how life 保険 作品, what to watch out for, and how to get the best 取引，協定.
We also explain how to get 質 life 保険 at the cheapest possible price and compare 引用するs.?
What is life 保険 and why do you need it????
Life 保険 comes in many different 形態／調整s and sizes, with some 政策s 供給するing cover until you die, and others 始める，決める for a period of time, such as the duration of a mortgage.
The cost each month depends on your health, personal circumstances, level of cover and the type of 政策 you 選ぶ for.????
The general 支配する of thumb is that those who own a mortgaged 所有物／資産／財産 with a partner, 特に if they have children, should at least get life cover with the 目的（とする） of （疑いを）晴らすing their home 貸付金 if they die.?
This means the 生き残るing partner and any children can remain in the house and will not have to worry about 支払う／賃金ing the mortgage on a 減ずるd 世帯 income.?
In 新規加入 to this, many people decide they want their loved ones to be better catered for than 簡単に having the mortgage paid off and take out 政策s for more.?
There are different types of life cover.
Level 称する，呼ぶ／期間／用語 保険?
Level 称する，呼ぶ／期間／用語 保険 申し込む／申し出s a 始める，決める payout for a 始める，決める period of time.?
It can be taken out in 合同 with your mortgage 称する，呼ぶ／期間／用語, or a planned working life, and will 支払う／賃金 out a pre-agreed sum if you die during that period.
減少（する）ing 称する，呼ぶ／期間／用語 保険?
減少（する）ing 称する，呼ぶ／期間／用語 保険 covers you with a 拒絶する／低下するing sum for a 始める，決める period of time. Usually used with a 返済 mortgage, this 反映するs the fact that the 優れた 負債 will 落ちる over time.?
It is cheaper than level 称する，呼ぶ／期間／用語 保険.
Whole of life 保険?
This is a 政策 that lasts for the 残り／休憩（する） of your life. This 肉親，親類d of 保険 支払う／賃金s out a 始める，決める sum whenever you die.?
政策s are usually made up of an 保険 element and an 投資 element. This is often used to cover an 推定する／予想するd 相続物件 税金 法案.?
Whole of life 保険 is the most expensive form of life 保険.
How much life 保険 do you need? Make sure you consider other elements such as death-in-service or 年金s?
How much life cover do you need?
You will probably want your life 保険 payout to cover any remaining mortgage, 支払う／賃金 for a funeral, and also leave some money to help with living expenses, but the more cover you take out the pricier it will be.?
If you have a mortgage, then taking out 減少（する）ing 称する，呼ぶ／期間／用語 保証／確信 will 確実にする that your mortgage is repaid when you die and is likely to be the most cost 効果的な 選択.
If you are on a 資本／首都 返済 mortgage and 簡単に want to cover that, taking out a 減少（する）ing 称する，呼ぶ／期間／用語 政策 may be best; the payouts on these type of 政策s can 減ずる over time as the balance of your 優れた mortgage 落ちるs, resulting in lower 賞与金s.
Even though it will be more expensive, some people may choose to take out level 称する，呼ぶ／期間／用語 life 保険 until a 確かな age anyway. For example, until their children are old enough to leave school or university - or even as an 保険 to 補償する their family if they die younger than 普通の／平均（する）.?
Remember if you are on an 利益／興味-only mortgage then your 負債 is not 刻々と 存在 repaid. So here a level 称する，呼ぶ／期間／用語 life 保険 政策 that will 支払う／賃金 out a 直す／買収する，八百長をするd lump sum when you die can （疑いを）晴らす the 優れた 資本／首都 balance.
If you think you will 結局最後にはーなる moving home to a more expensive 所有物／資産／財産 as life 進歩s, it may be 価値（がある） buying extra life cover earlier on, as it tends to be cheaper the younger you are.
There is also 増加するing 称する，呼ぶ／期間／用語 保険, which 増加するs its payout either by a 直す／買収する，八百長をするd 量 each year, or in line with インフレーション.?This type of 保険 is designed to factor in rising living costs. 賞与金s will also rise as a result, however.
One 重要な thing to consider when taking out life cover is what 手はず／準備 you already have in place.?
For example, 雇用者s can 申し込む／申し出 some form of death in service 利益, which may be a 多重の of your salary. 年金 マリファナs built up can also be passed on to your family if you die.
Check with your 雇用者 and 年金 provider what 利益s you have before 査定する／（税金などを）課すing the level of cover that you n eed.?
How much should you 支払う／賃金 for life 保険?
Life 保険 賞与金s are calculated depending on your history, health and age, の中で other factors.?
For example, a 40-year-old 非，不，無-smoking plumber with a clean 法案 of health can 推定する／予想する to 支払う／賃金 anywhere between £13 and £22 a month for £100,000 価値（がある） of cover on a level 称する，呼ぶ／期間／用語 for 25 years.?
For the same person, who happened to be a smoker, they could 推定する／予想する to 支払う／賃金 賞与金s between £18 and £22.?
Other circumstances such as 結婚の／夫婦の status and credit 得点する／非難する／２０ may also be used to calculate your 賞与金.
The 量 of cover a person needs will depend on their personal circumstances. Things such as 優れた 貸付金s, the number of dependants and income 交替／補充 should all be taken into account, 同様に as how much you can afford to 支払う／賃金 each month in 賞与金s.
賞与金s are calculated depending on your history, health and age, の中で o ther factors
Should I get a 共同の or separate life 保険?
One thing you and your partner will have to consider is whether you want to 選ぶ for separate or 共同の life 保険.?
One of the most attractive things about having your own separate life 保険 政策 is that it remains 影響を受けない if your 関係 ends.?
On 最高の，を越す of this, if both you and your partner die, separate 政策s will result in two 支払い（額）s. Separate 政策s are more expensive, however.
With 共同の life 保険, the cheaper 選択, there will most likely only ever be one payout in the event of either you or your partner's death.?
Depending on your 政策 条件, it will either 支払う／賃金 out when one of you or both of you dies.?
If you do take a 共同の 政策, for young families, it's probably best to make sure the 政策 will 支払う／賃金 out when the first person dies.?Some 政策s 支払う／賃金 on second death, but these are まず第一に／本来 meant for 相続物件 税金 planning.?
The downside to taking a 共同の life 政策 is that if one partner dies, the 政策 支払う／賃金s out and then the remaining partner or parent has to take out a new 政策.?
Depending on their age and circumstances, this could cost 意味ありげに more than having taken out two 選び出す／独身 政策s at the 手始め.?
How to find the 権利 life 保険 for you
For most simple life 保険 needs, there isn't a?広大な／多数の／重要な 取引，協定 of difference between one 政策 to another.
However, it's important to consider how 保険会社s may 同意して署名する people with 明確な／細部 医療の 条件s, so a good 分析 of the market and the true price of the cover is 決定的な for those without a 完全に clean 法案 of health.
You can buy life 保険 by phone, from comparison 場所／位置s online or 直接／まっすぐに from a company.?
You can also go to an?独立した・無所属 財政上の 助言者, who can calculate how much your family is likely to need.?
Life 保険 usually 支払う／賃金s （売買）手数料，委託（する）／委員会／権限 to the 仲買人 or 財政上の 助言者 伴う／関わるd and this 追加するs to the cost of 政策s. There are ways to bring this 負かす／撃墜する, however.
This is Money recommends life 保険 comparison service Cavendish Online*, which?許すs you to 支払う／賃金 a one-off £25 料金 and have all （売買）手数料，委託（する）／委員会／権限 go 支援する into the 政策 to make 支払い（額）s cheaper. You can choose this 選択 if you go it alone for low cost 支払い（額）s and do a comparison yourself. Alternatively, if you need help and are happy to 支払う／賃金 more, you can choose to get 指導／手引, or 十分な advice.
批判的な illness and income 保護 cover?
There are other forms of 保険 which can 保護する you and your family if 大災害 strikes.
For example, 批判的な illness cover 作品 in a 類似の way to life 保険, but instead 支払う／賃金s out if you are 診断するd with a defined 批判的な illness. This is いつかs 利用できる as a 連合させるd 政策 with 称する，呼ぶ／期間／用語 life 保険.
Income 保護 保険?can also help 取って代わる loss of 収入s 予定 to ill health, or 偶発の 傷害. The 政策 will 支払う／賃金 out until you either start working again, retire, or die, or at the end of the 政策 称する，呼ぶ／期間／用語.?
