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Insurance Life

Know what you want before you buy to ensure a good deal at the right price.

As with all insurance life products are highly differentiated- term insurance is entirely different from investment-based whole-of-life cover. Do you also want critical illness or terminal illness cover? And are your premiums protected? Time to find a financial adviser!

With insurance life gets complicated because insurance companies want it to be complicated. They have to find a way to make their products attractive, and that’s why there are so few simple products, and so many tweaks and options on offer. Rather like going into a shop to buy a shirt and coming out with an entire wardrobe plus cleaning products, it’s easy to end up with more than you bargained for; and your first objective is to know what sort of product you want. Here are some tips.

  1. With life insurance life doesn’t necessarily mean life. Term policies only cover you for a set period, and are correspondingly cheaper. If you want a guaranteed payout, you probably need a whole of life policy.
  2. Whatever type you buy, establish what sort of payout you want. Over 90% of customers are believed to be underinsured- which rather makes the whole process pointless. Have you considered the inflationary value of your contributions?
  3. As well as life insurance life cover can also include critical illness cover and terminal illness cover, which allows you to enjoy the benefits of a payout before you die.
  4. And finally are you protected in the event of being unable to pay your premiums? Some sort of unemployment cover or premium waiver policy might be required.

Always think first- decide what you need before being blinded by the science. A good independent financial adviser will gladly assist you in finding the right type of policy.