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Competitive Term Life Insurance

How to be sure you’re getting a decent term life deal.

Term life is the busiest part of the life market, so finding a competitive term life insurance quote is easy, and premiums may only differ by pennies. But be sure to understand exactly what the benefits and penalties are: not all policies are the same!

Finding competitive term life insurance quotes isn’t hard- because it’s the best served (and cheapest) part of the life insurance industry, and it’s the easiest to explain.

Term life is a doddle to understand: it’s set up for a specific period of time (usually anything from a few years to several decades depending on your age and needs), and only pays out if you die during that period. It means a nice cash sum for your dependants (spouse, children etc.) should you die during the period of coverage.

The marketplace for these products is extremely busy- to get competitive term life insurance these days you’re no longer restricted to old-style insurance companies; you can find term life offered on the high street- by Marks and Spencer for example!

Do be aware though that there’s a reason it’s cheap: it’s an inflexible product. If you don’t die during the policy period, you don’t get any money. That’s why it’s called insurance (just as with motor insurance if you don’t crash your car, you don’t get a refund!)

The other key issue in obtaining competitive term life insurance is shopping around. There are several parameters which will affect your quote; namely your sex (women live longer than men, so men pay higher premiums), whether you smoke, and other healthcare and work issues. So shop around- different companies place a different weight on any one of these issues, and all will affect the final outcome (many providers now give you a provisional quote online, which saves plenty of phone or legwork!)