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Frequently Asked Questions
We've written helpful guides to answer any questions you may have about life insurance.
About life insurance
- What is life insurance?
- Why do I need life insurance?
- What is level term life insurance?
- What is decreasing term life insurance?
- What is terminal illness cover?
- What is critical illness cover?
- What is serious illness cover?
- What are guaranteed premiums?
Choosing your life insurance
- How much life insurance do I need?
- How long should I take life insurance for?
- Which life insurance provider should I choose?
- What are the next steps?
Life insurance extras
- What does putting a policy in trust mean?
- I have life insurance through my employer - is that enough?
- Can life cover be increased at a later date?
Protected.co.uk
Still can't find what you're looking for?
If you can't find what you're looking for on our site you can talk to us over the phone by calling 0800 524 4153 and we'll be happy to answer all your questions on life insurance.
What is life insurance?
Life insurance is the most simple, popular and cost effective way of protecting your family or mortgage in the event of your death. If you were to die during the term of your policy then you would have the peace of mind that your family will be left with a lump sum of money for financial protection.
The types of life insurance available
There are different types of life insurance to choose from depending on what you need to cover.
If you would like to protect your family, a level term policy will provide a lump sum. For a repayment mortgage you can choose a decreasing term policy to provide cover in line with your mortgage.
Duration of life cover
Life insurance can be bought for a fixed term between 5 to 40 years and can run right up until your 90th birthday. If you need a longer policy, give us a call on 0800 524 4153 and we can run through the options available to you.
Covering your partner
Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you and your partner, normally the insurer would pay out when the first person dies. Once the insurer has paid out the policy will finish, leaving the surviving partner uninsured.
The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies.
Life insurance prices
The cost of a life insurance policy is calculated based on your age, gender and if you are a smoker. Other factors that will affect your premium is how much you would like to be covered for, the type of policy (level or decreasing) that you are applying for and the length of time you wish to be insured for.
If you are unsure about the amount of cover or the length of time to take it over then you can use our Life insurance Calculator which will help you to work out the amount of cover that you need.
