Our UK Insurance Directories are a guide to hundreds of the fastest,
cheapest and specialist insurance websites in the UK, offering secure
online quote and buy facilities or quotes by email.
Whether you are looking to purchase Commercial Business or Personal
insurance products, the Internet has become the marketplace for
thousands of insurance products with large savings to be made by
shopping around and comparing premiums. The premium savings offered by
online companies are due to much lower operating costs and the
competition created by your ability and choice to obtain quotes from
hundreds of UK providers, straight from your office or home.
Our UK directories and guides list hundreds of insurance sites
offering discount quotes online, and many unique and exclusive
specialist services and insurance schemes offered by Lloyds Brokers
and Composite Insurance companies. We hope to be of service and thank
you for visiting us.
plc, Britannic Unit Linked Assurance
Limited, Britannic Distribution and Sales Limited and
Britannic Unit Trust Managers Limited are regu... http://www.britannicassurance.com
Money on Term Life, Critical Illness & Family Income
Benefit Insurance! Fill out the brief quotation request and British
Life Insurance will instantly search the
market, compare products and come back with options to suit
At ICICI Prudential we understand that different people have
their own sets of needs at various stages of their lives...
Member's login Customers Advisors Regis... http://www.iciciprulife.com
Life Insurance Quotes Online. Low Cost
Mortgage Protection Life Assurance and Critical Illness.
Quotes provided by Independent Financial Adviser for UK
Residents and British Expats. Tax Free Savings P... http://www.lifeassuranceonline.co.uk
LIFE ASSURANCE We search the entire
market of UK life insurance providers. If you do find a
cheaper quote elsewhere, we will cut our earnings to try to
beat it ! More.. MORTGAGE PAYMENT & INCOME PROT... http://220.127.116.11
Royal Skandia Life Assurance Limited - authorised by the
FSA. The rules and regulations made by the FSA under the
Financial Services and Markets Act 2000 for the protection
of investors may n... http://www.royalskandia.com
Assurance Company Limited, Royal Skandia Life Assurance
Limited (Marketing Group), and Skandia MultiFUNDS Limited
are regulated by the FSA. The rules and regulations made by
the FSA ... http://www.skandia.co.uk
form of investment-type life insurance that could be worth considering
is the maximum protection option of a flexible ‘whole-of-life’
unit-linked policy which, as the name suggests, gives you cover for
the whole of your life – provided you keep paying the premiums.
By choosing the maximum protection option, you are guaranteed life
cover for the rest of your life, whatever your state of health.
With term insurance – unless you pay extra for a renewable policy
– you may not be able to renew your insurance if your health
However, unlike term insurance, your premiums may have to go up
(usually after ten years) unless you are prepared to reduce the amount
of life cover.
This is because these policies are unit-linked, so the premiums you
pay go into an investment fund which is divided up into units which
are cashed in to pay for the life insurance.
The value of your policy depends on how the price of these units move,
which in turn depends in the underlying value of the investments in
One of the main uses of this type of life insurance is as a way of
providing a lump sum to pay an inheritance tax bill.
an extra premium, you can also buy the option to increase the amount
you are insured for, either at set intervals, such as on each
anniversary of taking out the insurance, or when a particular event
occurs – marriage of the birth of a child, for example.
As you would expect, if you choose to increase the amount you are
insured for your premiums will become more expensive.
The advantage of buying this sort of add-on to a basic policy is that
the premiums are worked out on the basis of your health at the time
when you first took out the original policy, even if your current
health is not so good.
Keeping your options open
increasable insurance lets you increase the amount you are insured for
during the policy term, renewable insurance allows you to take out
another policy regardless of your state of health at the time.
Premiums will be based on your age at the time you renew but there
will be no increase if your health deteriorates.
Although you may pay more for this option, it could be worth
considering if you are worried about future health problems which
would make life insurance expensive (or even unobtainable).
However, the option of renewing your policy may not be available if
you want the renewed policy to end after your 65th birthday.
well as – or instead of – being able to increase the amount you
are insured for, it may be possible to extend the term of the policy
(i.e. increase the length of time it runs for). This should be cheaper
than taking out a new policy at the end of the term: premiums increase
as you get older.
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